<SEC-DOCUMENT>0001206774-12-001006.txt : 20120309
<SEC-HEADER>0001206774-12-001006.hdr.sgml : 20120309
<ACCEPTANCE-DATETIME>20120309144012
ACCESSION NUMBER:		0001206774-12-001006
CONFORMED SUBMISSION TYPE:	10-K
PUBLIC DOCUMENT COUNT:		14
CONFORMED PERIOD OF REPORT:	20111231
FILED AS OF DATE:		20120309
DATE AS OF CHANGE:		20120309

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CASS INFORMATION SYSTEMS INC
		CENTRAL INDEX KEY:			0000708781
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-BUSINESS SERVICES, NEC [7389]
		IRS NUMBER:				431265338
		STATE OF INCORPORATION:			MO
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		10-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-20827
		FILM NUMBER:		12680212

	BUSINESS ADDRESS:	
		STREET 1:		13001 HOLLENBERG DR.
		CITY:			BRIDGETON
		STATE:			MO
		ZIP:			63044
		BUSINESS PHONE:		3145055500

	MAIL ADDRESS:	
		STREET 1:		13001 HOLLENBERG DR.
		CITY:			BRIDGETON
		STATE:			MO
		ZIP:			63044

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CASS COMMERCIAL CORP
		DATE OF NAME CHANGE:	19950518
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-K
<SEQUENCE>1
<FILENAME>cass_10k.htm
<DESCRIPTION>ANNUAL REPORT
<TEXT>

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<P align=center><B><FONT face="Times New Roman" size=2>UNITED STATES<BR></FONT></B><B><FONT face="Times New Roman" size=2>SECURITIES AND EXCHANGE COMMISSION<BR>Washington, D.C.
20549</FONT></B></P>
<P align=center><B><FONT face="Times New Roman" size=2>FORM 10-K</FONT></B></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>(Mark One)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="97%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap style="text-align: center" width="1%"><FONT face=Wingdings size=2>x</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="97%"><FONT face="Times New Roman" size=2>ANNUAL REPORT PURSUANT TO SECTION 13
      OR 15(d) OF THE SECURITIES</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="97%"><FONT face="Times New Roman" size=2>EXCHANGE ACT OF 1934</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="97%"><FONT face="Times New Roman" size=2>For the fiscal year ended December
      31, 2011</FONT></TD></TR>
  <TR>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="97%">&nbsp;&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap style="text-align: center" width="1%"><FONT face=Wingdings>o</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="97%"><FONT face="Times New Roman" size=2>TRANSITION REPORT PURSUANT TO SECTION
      13 OR 15(d) OF THE</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap style="text-align: center" width="97%"><FONT face="Times New Roman" size=2>SECURITIES EXCHANGE ACT OF
    1934</FONT></TD></TR>
  <TR>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="97%"><FONT size=2 face="Times New Roman">For the transition period from ________ to
  ________</FONT></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2>Commission file number
000-20827</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" width="99%" colSpan=4><B><FONT face="Times New Roman">CASS INFORMATION SYSTEMS, INC.</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="text-align: center" width="99%" colSpan=4><FONT face="Times New Roman" size=2>(Exact name of registrant as
      specified in its charter)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="10%"><FONT face="Times New Roman" size=2>Missouri</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="10%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="69%"></TD>
    <TD NOWRAP ALIGN="RIGHT" WIDTH="10%" STYLE="border-bottom: #000000 1pt solid; text-align: center"><FONT face="Times New Roman" size=2>43-1265338</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="20%" colSpan=2><FONT face="Times New Roman" size=2>(State or other
      jurisdiction of incorporation or organization)</FONT></TD>
    <TD noWrap align=left width="69%"></TD>
    <TD NOWRAP ALIGN="RIGHT" WIDTH="10%" STYLE="text-align: center"><FONT face="Times New Roman" size=2>(I.R.S. Employer Identification
      No.)</FONT></TD></TR>
  <TR>
    <TD noWrap align=left width="20%" colSpan=2>&nbsp;&nbsp;&nbsp; </TD>
    <TD noWrap align=left width="69%"></TD>
    <TD noWrap align=right width="10%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="10%"><FONT face="Times New Roman" size=2>13001 Hollenberg Drive, Bridgeton, Missouri</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="10%"><FONT face="Times New Roman" size=2>63044</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="69%"></TD>
    <TD NOWRAP ALIGN="RIGHT" WIDTH="10%" STYLE="border-bottom: #000000 1pt solid; text-align: center"><FONT face="Times New Roman" size=2>(314) 506-5500</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="10%"><FONT face="Times New Roman" size=2>(Address of principal executive
      offices)</FONT></TD>
    <TD noWrap style="text-align: center" width="10%"><FONT face="Times New Roman" size=2>(Zip Code)</FONT></TD>
    <TD noWrap align=left width="69%">&nbsp;</TD>
    <TD NOWRAP ALIGN="RIGHT" WIDTH="10%" STYLE="text-align: center"><FONT face="Times New Roman" size=2>(Telephone Number, incl. area
      code)</FONT></TD></TR>
  <TR>
    <TD noWrap align=left width="10%">&nbsp;&nbsp; </TD>
    <TD noWrap style="text-align: center" width="10%"></TD>
    <TD noWrap align=left width="69%"></TD>
    <TD noWrap align=right width="10%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="20%" colSpan=2><FONT face="Times New Roman" size=2>Securities registered
      pursuant to Section 12(b) of the Act:</FONT></TD>
    <TD noWrap align=left width="69%">&nbsp;</TD>
    <TD noWrap align=left width="10%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap style="text-align: center" width="10%"><U><FONT face="Times New Roman" size=2>Title of each
      Class</FONT></U></TD>
    <TD noWrap align=left width="10%"></TD>
    <TD noWrap align=left width="69%"></TD>
    <TD noWrap align=right width="10%"><U><FONT face="Times New Roman" size=2>Name of each
      exchange on which registered</FONT></U></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="10%"><FONT face="Times New Roman" size=2>Common Stock, par value $.50</FONT></TD>
    <TD noWrap align=left width="10%"></TD>
    <TD noWrap align=left width="69%"></TD>
    <TD noWrap style="text-align: center" width="10%"><FONT face="Times New Roman" size=2>The Nasdaq Global Select
    Market</FONT></TD></TR>
  <TR>
    <TD width="99%" colSpan=4>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="20%" colSpan=2><FONT face="Times New Roman" size=2>Securities registered
      pursuant to Section 12(g) of the Act:</FONT></TD>
    <TD noWrap align=left width="69%"></TD>
    <TD noWrap align=left width="10%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap style="text-align: center" width="10%"><U><FONT face="Times New Roman" size=2>Title of each
      Class</FONT></U></TD>
    <TD noWrap align=left width="10%"></TD>
    <TD noWrap align=left width="69%"></TD>
    <TD noWrap align=left width="10%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap style="text-align: center" width="10%"><FONT face="Times New Roman" size=2>None</FONT></TD>
    <TD noWrap align=left width="10%"></TD>
    <TD noWrap align=left width="69%"></TD>
    <TD noWrap align=left width="10%"></TD></TR>
  <TR>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="10%">&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="10%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="69%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="10%"></TD></TR></TABLE><BR>
<DIV align=left><FONT face="Times New Roman" size=2>Indicate by check mark if the registrant
is a well-known seasoned issuer, as defined in Rule 405 of the Securities
Act.</FONT></DIV>
<DIV align=right><FONT face="Times New Roman" size=2>Yes&nbsp;&nbsp;&nbsp;<FONT face=Wingdings>o</FONT>&nbsp;&nbsp;&nbsp;&nbsp; No&nbsp;&nbsp; <FONT face=Wingdings>x</FONT></FONT></DIV>
<DIV align=left></DIV>
<DIV align=left><FONT face="Times New Roman" size=2></FONT>&nbsp;</DIV>
<DIV align=left><FONT face="Times New Roman" size=2>Indicate by check mark if the registrant
is not required to file reports pursuant to Section 13 or Section 15(d) of the
Act.</FONT></DIV>
<DIV align=right><FONT face="Times New Roman" size=2>Yes&nbsp;&nbsp;&nbsp;<FONT face=Wingdings>o</FONT></FONT><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;
</FONT><FONT face="Times New Roman" size=2>No&nbsp;&nbsp; <FONT face=Wingdings>x</FONT></FONT></DIV>
<DIV align=left>&nbsp;</DIV>
<DIV align=left><FONT face="Times New Roman" size=2>Indicate by check mark whether the
registrant (1) has filed all reports required to be filed by Section 13 or 15(d)
of the Securities Exchange Act of 1934 during the preceding 12 months (or for
such shorter period that the registrant was required to file such reports), and
(2) has been subject to such filing requirements for the past 90
days.</FONT></DIV>
<DIV align=right><FONT face="Times New Roman" size=2>Yes&nbsp;&nbsp;&nbsp;<FONT face=Wingdings>x</FONT><FONT face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></FONT><FONT size=2 face="Times New Roman"></FONT><FONT size=2 face="Times New Roman">No&nbsp;&nbsp; <FONT face=Wingdings>o</FONT></FONT></DIV>
<DIV align=left>&nbsp;</DIV>
<DIV align=left><FONT size=2 face="Times New Roman">Indicate by check mark whether the registrant has
submitted electronically and posted on its corporate Web site, if any, every
Interactive Data File required to be submitted and posted pursuant to Rule 405
of Regulation S-T (&#167;232.405 of this chapter) during the preceding 12 months (or
for such shorter period that the registrant was required to submit and post such
files).</FONT></DIV>
<DIV align=right><FONT size=2 face="Times New Roman">Yes&nbsp;&nbsp;&nbsp;<FONT face=Wingdings>x</FONT><FONT face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;
No&nbsp;&nbsp;&nbsp;</FONT><FONT face=Wingdings>o</FONT></FONT></DIV>
<DIV align=left>&nbsp;&nbsp; </DIV>
<DIV align=left><FONT size=2 face="Times New Roman">Indicate by check mark if disclosure of delinquent
filers pursuant to Item 405 of Regulation S-K (&#167;229.405 of this chapter) is not
contained herein, and will not be contained, to the best of registrant&#146;s
knowledge, in definitive proxy or information statements incorporated by
reference in Part III of this Form 10-K or any amendment to this Form
10-K.&nbsp;&nbsp;&nbsp;<FONT face=Wingdings>o</FONT></FONT></DIV><BR>

<P STYLE="text-align: left"><FONT size=2 face="Times New Roman">Indicate by check mark whether the registrant is a
large accelerated filer, an accelerated filer, a non-accelerated filer, or a
smaller reporting company. See definitions of &#147;large accelerated filer,&#148;
&#147;accelerated filer&#148; and &#147;smaller reporting company&#148; in Rule 12b-2 of the
Exchange Act. </FONT><FONT size=2 face="Times New Roman">&nbsp;&nbsp;Large accelerated filer:&nbsp;<FONT face=Wingdings>o</FONT></FONT><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accelerated
filer:&nbsp;<FONT face=Wingdings>x</FONT>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT><FONT size=2 face="Times New Roman">Non-accelerated filer:&nbsp;<FONT face=Wingdings>o</FONT></FONT><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Smaller
reporting company: <FONT face=Wingdings>o</FONT></FONT></P>
<DIV align=justify><FONT size=2 face="Times New Roman">Indicate by check mark whether the registrant is
a shell company </FONT><FONT size=2 face="Times New Roman">(as defined in Rule 12b-2 of the Exchange
Act)</FONT><FONT size=2 face="Times New Roman">.</FONT></DIV>
<DIV align=right><FONT size=2 face="Times New Roman">Yes&nbsp;&nbsp;&nbsp;<FONT face=Wingdings>o</FONT></FONT><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp; </FONT><FONT size=2 face="Times New Roman">No&nbsp;&nbsp;&nbsp;<FONT face=Wingdings>x</FONT></FONT></DIV>
<DIV align=justify>&nbsp;</DIV>
<DIV align=justify><FONT size=2 face="Times New Roman">The aggregate market value of the common stock
held by non-affiliates of the Registrant was approximately $327,184,000 based on
the closing price of the common stock of $34.33 on June 30, 2011, as reported by
The Nasdaq Global Select Market. As of March 5, 2012, the Registrant had
10,383,118 shares outstanding of common stock. </FONT></DIV><BR>

<P align=center><B><FONT size=2 face="Times New Roman">DOCUMENTS INCORPORATED BY REFERENCE
</FONT></B></P>
<P align=justify><FONT size=2 face="Times New Roman">Certain information required for Part III of this
report is incorporated by reference from the Registrant&#146;s Proxy Statement for
the 2012 Annual Meeting of Shareholders. </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>CASS INFORMATION SYSTEMS,
INC.<BR>FORM 10-K ANNUAL REPORT<BR></FONT></B><B><FONT face="Times New Roman" size=2>TABLE
OF CONTENTS </FONT></B></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><U><FONT face="Times New Roman" size=2>PART
      I.</FONT></U></TD>
    <TD vAlign=top align=left width="1%"></TD>
    <TD vAlign=top align=left width="95%"></TD>
    <TD vAlign=top align=left width="1%"></TD>
    <TD vAlign=top align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Item 1.</FONT></TD>
    <TD vAlign=top align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=left width="95%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>BUSINESS</FONT></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT face="Times New Roman" size=2>Item 1A.</FONT></TD>
    <TD vAlign=top align=left width="1%"></TD>
    <TD vAlign=top align=left width="95%"><FONT face="Times New Roman" size=2>RISK FACTORS</FONT></TD>
    <TD vAlign=top align=right width="1%"></TD>
    <TD vAlign=top align=right width="1%"><FONT face="Times New Roman" size=2>3</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Item 1B.</FONT></TD>
    <TD vAlign=top align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=left width="95%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>UNRESOLVED STAFF COMMENTS</FONT></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT face="Times New Roman" size=2>Item 2.</FONT></TD>
    <TD vAlign=top align=left width="1%"></TD>
    <TD vAlign=top align=left width="95%"><FONT face="Times New Roman" size=2>PROPERTIES</FONT></TD>
    <TD vAlign=top align=right width="1%"></TD>
    <TD vAlign=top align=right width="1%"><FONT face="Times New Roman" size=2>7</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Item 3.</FONT></TD>
    <TD vAlign=top align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=left width="95%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>LEGAL PROCEEDINGS</FONT></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT face="Times New Roman" size=2>Item 4.</FONT></TD>
    <TD vAlign=top align=left width="1%"></TD>
    <TD vAlign=top align=left width="95%"><FONT face="Times New Roman" size=2>MINE SAFETY DISCLOSURES</FONT></TD>
    <TD vAlign=top align=right width="1%"></TD>
    <TD vAlign=top align=right width="1%"><FONT face="Times New Roman" size=2>7</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><U><FONT face="Times New Roman" size=2>PART II.</FONT></U></TD>
    <TD vAlign=top align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=left width="95%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT size=2 face="Times New Roman">Item 5.</FONT></TD>
    <TD vAlign=top align=left width="1%"></TD>
    <TD vAlign=top align=left width="95%"><FONT face="Times New Roman" size=2>MARKET FOR REGISTRANT&#146;S COMMON
      EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY
      SECURITIES</FONT></TD>
    <TD vAlign=top align=right width="1%"></TD>
    <TD WIDTH="1%" STYLE="text-align: right; vertical-align: bottom"><FONT face="Times New Roman" size=2>8</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Item 6.</FONT></TD>
    <TD vAlign=top align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=left width="95%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>SELECTED FINANCIAL DATA</FONT></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT size=2 face="Times New Roman">Item 7.</FONT></TD>
    <TD vAlign=top align=left width="1%"></TD>
    <TD vAlign=top align=left width="95%"><FONT face="Times New Roman" size=2>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS
      OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS</FONT></TD>
    <TD vAlign=top align=right width="1%"></TD>
    <TD WIDTH="1%" STYLE="text-align: right; vertical-align: bottom"><FONT face="Times New Roman" size=2>9</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Item 7A.</FONT></TD>
    <TD vAlign=top align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=left width="95%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET
      RISK</FONT></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>22</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT face="Times New Roman" size=2>Item 8.</FONT></TD>
    <TD vAlign=top align=left width="1%"></TD>
    <TD vAlign=top align=left width="95%"><FONT face="Times New Roman" size=2>FINANCIAL STATEMENTS AND
      SUPPLEMENTARY DATA</FONT></TD>
    <TD vAlign=top align=right width="1%"></TD>
    <TD vAlign=top align=right width="1%"><FONT face="Times New Roman" size=2>24</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">Item 9.</FONT></TD>
    <TD vAlign=top align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=left width="95%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING
      AND FINANCIAL DISCLOSURE</FONT></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0></TD>
    <TD WIDTH="1%" BGCOLOR="#c0c0c0" STYLE="text-align: right; vertical-align: bottom"><FONT face="Times New Roman" size=2>50</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT face="Times New Roman" size=2>Item 9A.</FONT></TD>
    <TD vAlign=top align=left width="1%"></TD>
    <TD vAlign=top align=left width="95%"><FONT face="Times New Roman" size=2>CONTROLS AND PROCEDURES</FONT></TD>
    <TD vAlign=top align=right width="1%"></TD>
    <TD vAlign=top align=right width="1%"><FONT face="Times New Roman" size=2>50</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Item 9B.</FONT></TD>
    <TD vAlign=top align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=left width="95%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>OTHER INFORMATION</FONT></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>52</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><U><FONT face="Times New Roman" size=2>PART
      III.</FONT></U></TD>
    <TD vAlign=top align=left width="1%"></TD>
    <TD vAlign=top align=left width="95%"></TD>
    <TD vAlign=top align=left width="1%"></TD>
    <TD vAlign=top align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Item 10.</FONT></TD>
    <TD vAlign=top align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=left width="95%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE
    GOVERNANCE</FONT></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>52</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT face="Times New Roman" size=2>Item 11.</FONT></TD>
    <TD vAlign=top align=left width="1%"></TD>
    <TD vAlign=top align=left width="95%"><FONT face="Times New Roman" size=2>EXECUTIVE COMPENSATION</FONT></TD>
    <TD vAlign=top align=right width="1%"></TD>
    <TD vAlign=top align=right width="1%"><FONT face="Times New Roman" size=2>52</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">Item 12.</FONT></TD>
    <TD vAlign=top align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=left width="95%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND
      MANAGEMENT AND RELATED STOCKHOLDER MATTERS</FONT></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0></TD>
    <TD WIDTH="1%" BGCOLOR="#c0c0c0" STYLE="text-align: right; vertical-align: bottom"><FONT face="Times New Roman" size=2>52</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT size=2 face="Times New Roman">Item 13.</FONT></TD>
    <TD vAlign=top align=left width="1%"></TD>
    <TD vAlign=top align=left width="95%"><FONT face="Times New Roman" size=2>CERTAIN RELATIONSHIPS AND RELATED
      TRANSACTIONS, AND DIRECTOR INDEPENDENCE</FONT></TD>
    <TD vAlign=top align=right width="1%"></TD>
    <TD vAlign=top align=right width="1%"><FONT face="Times New Roman" size=2>53</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Item 14.</FONT></TD>
    <TD vAlign=top align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD vAlign=top align=left width="95%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>PRINCIPAL ACCOUNTANT FEES AND SERVICES</FONT></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>53</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><U><FONT face="Times New Roman" size=2>PART
      IV.</FONT></U></TD>
    <TD vAlign=top align=left width="1%"></TD>
    <TD vAlign=top align=left width="95%"></TD>
    <TD vAlign=top align=left width="1%">&nbsp;</TD>
    <TD vAlign=top align=left width="1%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Item 15.</FONT></TD>
    <TD vAlign=top align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=left width="95%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>EXHIBITS AND FINANCIAL STATEMENT SCHEDULES</FONT></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=top align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>53</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top align=left width="95%"><FONT face="Times New Roman" size=2>SIGNATURES</FONT></TD>
    <TD vAlign=top align=right width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top align=right width="1%"><FONT face="Times New Roman" size=2>54</FONT></TD></TR></TABLE><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>Forward-looking Statements - Factors
That May Affect Future Results </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>This report may contain or incorporate
by reference forward-looking statements made pursuant to the safe harbor
provisions of Section 27A of the Securities Act of 1933, as amended, and Section
21E of the Securities Exchange Act of 1934, as amended. Although we believe
that, in making any such statements, our expectations are based on reasonable
assumptions, forward-looking statements are not guarantees of future performance
and involve risks, uncertainties, and other factors beyond our control, which
may cause future performance to be materially different from expected
performance summarized in the forward-looking statements. These risks,
uncertainties and other factors are discussed in the section Part I, Item 1A,
&#147;Risk Factors&#148;. We undertake no obligation to publicly update or revise any
forward-looking statements to reflect changed assumptions, the occurrence of
anticipated or unanticipated events, or changes to future results over time.
</FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2></FONT></B><B><U><FONT face="Times New Roman" size=2>PART I.</FONT></U></B></P>
<P align=justify><B><FONT face="Times New Roman" size=2>ITEM 1. </FONT></B><B><U><FONT face="Times New Roman" size=2>BUSINESS</FONT></U></B></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Description of
Business</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Cass Information Systems, Inc. (&#147;Cass&#148;
or &#147;the Company&#148;) is a leading provider of payment and information processing
services to large manufacturing, distribution and retail enterprises across the
United States. The Company provides transportation invoice rating, payment,
audit, accounting and transportation information to many of the nation&#146;s largest
companies. It is also a processor and payer of utility invoices, including
electricity, gas, and other facility related expenses. Additionally, Cass
competes in the telecommunications expense management market which includes bill
processing, audit and payment services for telephone, data line, cellular and
communication equipment expense. In January 2011, Cass opened an office in
Breda, Netherlands, to support the Company&#146;s multinational information
processing clients. Cass purchased the assets of an environmental expense
management company in January 2012 and now provides such services. The Company,
through its wholly owned bank subsidiary, Cass Commercial Bank (&#147;the Bank&#148;),
also provides commercial banking services. The Bank&#146;s primary focus is to
support the Company&#146;s payment operations and provide banking services to its
target markets, which include privately owned businesses and churches and
church-related ministries. Services include commercial and commercial real
estate loans, checking, savings and time deposit accounts and other cash
management services. The principal offices of the Company are at 13001
Hollenberg Drive, Bridgeton, Missouri 63044. Other operating locations are in
Columbus, Ohio, Boston, Massachusetts, Greenville, South Carolina, Wellington,
Kansas, Breda, Netherlands and Jacksonville, Florida. The Bank&#146;s headquarters
are also located at the Bridgeton location, and the Bank operates two branches
in the St. Louis metropolitan area and one loan production office in southern
California.</FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Company Strategy and Core
Competencies</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Cass is an information services company
with a primary focus on processing payables and payables-related transactions
for large corporations located in the United States. Cass possesses four core
competencies that encompass most of its processing services.</FONT></P>
<P align=justify><I><FONT face="Times New Roman" size=2>Data acquisition</FONT></I><FONT face="Times New Roman" size=2> &#150; This refers to the gathering of data elements from diverse,
heterogeneous sources and the building of complete databases for our customers.
Data is the raw material of the information economy. Cass gathers vital data
from complex and diverse input documents, electronic media, proprietary
databases and data feeds, including data acquired from vendor invoices as well
as customer procurement and sales systems. Through its numerous methods of
obtaining streams and pieces of raw data, Cass is able to assemble vital data
into centralized data management systems and warehouses, thus producing an
engine to create the power of information for managing critical corporate
functions and processing systems.</FONT></P>
<P align=justify><I><FONT face="Times New Roman" size=2>Data management</FONT></I><FONT face="Times New Roman" size=2> &#150; Once data is assembled, Cass is able to utilize the power
from derived information to produce significant savings and benefits for its
clients. This information is integrated into customers&#146; unique financial and
accounting systems, eliminating the need for internal accounting processing and
providing internal and external support for these critical systems. Information
is also used to produce management and exception reporting for operational
control, feedback, planning assistance and performance measurement.</FONT></P>
<P align=justify><I><FONT face="Times New Roman" size=2>Business
Intelligence</FONT></I><FONT face="Times New Roman" size=2> &#150; Receiving information in the
right place at the right time and in the required format is paramount for
business survival. Cass&#146; information delivery solutions provide reports, digital
images, data files and retrieval capabilities through the Internet or directly
into customer internal systems. Cass&#146; proprietary Internet management delivery
system is the foundation for driving these critical functions. Transaction,
operational, control, status and processing exception information are all
delivered through this system creating an efficient, accessible and highly
reliable asset for Cass customers.</FONT></P>
<P align=justify><I><FONT face="Times New Roman" size=2>Financial exchange</FONT></I><FONT face="Times New Roman" size=2> &#150; Since Cass is unique among its competition in that it owns
a commercial bank, it is also able to manage the movement of funds from its
customers to their suppliers. This is a distinguishing factor, which clearly
requires the processing capability, operating systems and financial integrity of
a banking organization. Cass provides immediate, accurate, controlled and
protected funds management and transfer system capabilities for all of its
customers. Old and costly check processing and delivery mechanisms are replaced
with more efficient electronic cash management and funds transfer
systems.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Cass&#146; core competencies allow it to
perform the highest volumes of transaction processing in an integrated,
efficient and systematic approach. Not only is Cass able to process the
transaction, it is also able to collect the data defining the transaction and
effect the financial payment governing its terms.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Cass&#146; shared business processes &#150;
Accounting, Human Resources and Technology &#150; support its core competencies.
Cass&#146; accounting function provides the internal control systems to ensure the
highest levels of accountability and protection for customers. Cass&#146; human
resources department provides experienced people dedicated to streamlining
business procedures and reducing expenses. Cass&#146; technology is proven and
reliable. The need to safeguard data and secure the efficiency, speed and
timeliness that govern its business is a priority within the organization. The
ability to leverage technology over its strategic units allows Cass the
advantage of deploying technology in a proven and reliable manner without
hindering clients&#146; strategic business and system requirements.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>1</FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2>These core competencies, enhanced
through shared business processes, drive Cass&#146; strategic business units.
Building upon these foundations, Cass continues to explore new business
opportunities that leverage these competencies and processes.</FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Marketing, Customers and
Competition</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company, through its Transportation
Information Services business unit, is one of the largest firms in the
transportation bill processing and payment industry in the United States based
on the total dollars of transportation bills paid and items processed.
Competition consists of a few primary competitors and numerous small
transportation bill audit firms located throughout the United States. While
offering transportation payment services, few of these audit firms compete on a
national basis. These competitors compete mainly on price, functionality and
service levels. The Company, through its Utility Information Services business
unit, also competes with other companies, located throughout the United States,
that pay utility bills and provide management reporting. Available data
indicates that the Company is one of the largest providers of utility
information processing and payment services. Cass&#146; Utility Information Services
is unique among these competitors in that it is not exclusively affiliated with
any one energy service provider (&#147;ESP&#148;). The ESPs market the Company&#146;s services
adding value with their unique auditing, consulting and technological
capabilities. Many of Cass&#146; services are customized for the ESPs, providing a
full-featured solution without any development costs to the ESP. Also the
Company, through its Telecom Information Services business unit, is a leader in
the growing telecom expense management market, and competes with other companies
located throughout the United States in this market. In January 2011, Cass
opened an office in Breda, Netherlands, to support the Company&#146;s multinational
information processing clients. The Company recently added environmental expense
management services.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The Bank is organized as a Missouri
trust company with banking powers and was founded in 1906. Due to its ownership
of a federally insured commercial bank, the Company was a bank holding
corporation and originally organized in 1982 as Cass Commercial Corporation
under the laws of Missouri. It was approved by the Board of Governors of the
Federal Reserve System (the &#147;Federal Reserve&#148;) in February 1983. The Company
changed its name to Cass Information Systems, Inc. in January 2001. In December
2011, the Federal Reserve Bank of St. Louis approved the election of Cass
Information Systems, Inc. to become a financial holding company. As a financial
holding company, Cass may engage in activities that are financial in nature or
incidental to a financial activity. The Company&#146;s bank subsidiary encounters
competition from numerous banks and financial institutions located throughout
the St. Louis, Missouri metropolitan area and other areas in which the Bank
competes. The Bank&#146;s principal competitors, however, are large bank holding
companies that are able to offer a wide range of banking and related services
through extensive branch networks. The Bank targets its services to privately
held businesses located in the St. Louis, Missouri area and church and
church-related institutions located in St. Louis, Missouri, Orange County,
California and other selected cities located throughout the United
States.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company holds several trademarks
for the payment and rating services it provides. These include: FreightPay&reg;,
Transdata&reg;, TransInq&reg;, Ratemaker&reg;, Rate Advice&reg;, First Rate&reg;, Best Rate&reg;, Rate
Exchange&reg; and CassPort&reg;. The Company and its subsidiaries are not dependent on
any one customer for a significant portion of their businesses. The Company and
its subsidiaries have a varied client base with no individual client exceeding
10% of total revenue.</FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Employees</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company and its subsidiaries had
750 full-time and 287 part-time employees as of March 5, 2012. Of these
employees, the Bank had 59 full-time and no part-time employees.</FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Supervision and
Regulation</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company and its bank subsidiary are
extensively regulated under federal and state law. These laws and regulations
are intended to protect depositors, not shareholders. These laws also include
the recently enacted Dodd-Frank Wall Street Reform and Consumer Protection Act
(The Dodd-Frank Act). The regulations related to the Dodd-Frank Act are
currently being written, and accordingly, the full implication of this new law
is not yet known. The Bank is subject to regulation and supervision by the
Missouri Division of Finance, the Federal Reserve Bank (the &#147;FRB&#148;) and the
Federal Deposit Insurance Corporation (the &#147;FDIC&#148;). The Company is a financial
holding company within the meaning of the Bank Holding Company Act of 1956, as
amended, and as such, it is subject to regulation, supervision and examination
by the FRB. The Company is required to file quarterly and annual reports with
the FRB and to provide to the FRB such additional information as the FRB may
require, and it is subject to regular inspections by the FRB. Bank regulatory
agencies use Capital Adequacy Guidelines in their examination and regulation of
financial holding companies and banks. If the capital falls below the minimum
levels established by these guidelines, the agencies may force certain remedial
action to be taken. The Capital Adequacy Guidelines are of several types and
include risk-based capital guidelines, which are designed to make capital
requirements more sensitive to various risk profiles and account for off-balance
sheet exposure; guidelines that consider market risk, which is the risk of loss
due to change in value of assets and liabilities due to changes in interest
rates; and guidelines that use a leverage ratio which places a constraint on the
maximum degree of risk to which a financial holding company may leverage its
equity capital base. For further discussion of the capital adequacy guidelines
and ratios, please refer to Item 7 &#147;Management&#146;s Discussion and Analysis of
Financial Condition and Results of Operations&#148; and Item 8, Note 2 of this
report.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>2</FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2>The FRB also has extensive enforcement
authority over financial holding companies, including, among other things, the
ability to assess civil money penalties, to issue cease and desist or removal
orders and to require that a holding company divest subsidiaries (including its
bank subsidiaries). In general, enforcement actions may be initiated for
violations of law or regulations or for unsafe or unsound practices. Both the
FRB and Missouri Division of Finance also have restrictions on the amount of
dividends that banks and financial holding companies may pay.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>As a financial holding company, the
Company must obtain prior approval from the FRB before acquiring ownership or
control of more than 10% of the voting shares of another financial/bank holding
company or acquiring all or substantially all of the assets of such a company.
In many cases, approval is also required for the Company to engage in similar
acquisitions involving a non-bank company or to engage in new non-bank
activities. Any change in applicable laws or regulations may have a material
effect on the business and prospects of the Company.</FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Website Availability of SEC
Reports</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Cass files annual, quarterly and
current reports with the Securities and Exchange Commission (the &#147;SEC&#148;). Cass
will, as soon as reasonably practicable after they are electronically filed with
or furnished to the SEC, make available free of charge on its website each of
its Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports
on Form 8-K, all amendments to those reports, and its definitive proxy
statements. The address of Cass&#146; website is: www.cassinfo.com. All reports filed
with the SEC are available for reading and copying at the SEC&#146;s Public Reference
Room at 100 F Street, NE, Washington, DC 20549-0213 or for more information call
the Public Reference Room at 1-800-SEC-0330. The SEC also makes all filed
reports, proxy statements and information statements available on its website at
www.sec.gov.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The reference to our website address
does not constitute incorporation by reference of the information contained on
the website and should not be considered part of this report.</FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Financial Information about
Segments</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The services provided by the Company
are classified in two reportable segments: Information Services and Banking
Services. The revenues from external customers, net income and total assets by
segment as of and for each of the years in the three year period ended December
31, 2011, are set forth in Item 8, Note 16 of this report.</FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Statistical Disclosure by Bank
Holding Companies</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>For the statistical disclosure by bank
holding companies, refer to Item 7 &#147;Management&#146;s Discussion and Analysis of
Financial Condition and Results of Operations.&#148;</FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>ITEM 1A. </FONT></B><B><U><FONT face="Times New Roman" size=2>RISK FACTORS</FONT></U></B></P>
<P align=justify><FONT face="Times New Roman" size=2>This section highlights specific risks
that could affect the Company&#146;s business. Although this section attempts to
highlight key factors, please be aware that other risks may prove to be
important in the future. New risks may emerge at any time, and Cass cannot
predict such risks or estimate the extent to which they may affect the Company&#146;s
financial performance. In addition to the factors discussed elsewhere or
incorporated by reference in this report, the identified risks that could cause
actual results to differ materially include the following:</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>General political, economic or
industry conditions may be less favorable than expected.</FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Local, domestic, and international
economic, political and industry-specific conditions and governmental monetary
and fiscal policies affect the industries in which the Company competes,
directly and indirectly. Conditions such as inflation, recession, unemployment,
volatile interest rates, tight money supply, real estate values, international
conflicts and other factors outside of Cass&#146; control may adversely affect the
Company. Economic downturns could result in the delinquency of outstanding
loans, which could have a material adverse impact on Cass&#146; earnings.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Unfavorable developments
concerning customer credit quality could affect Cass&#146; financial
results.</FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Although the Company regularly reviews
credit exposure related to its customers and various industry sectors in which
it has business relationships, default risk may arise from events or
circumstances that are difficult to detect or foresee. Under such circumstances,
the Company could experience an increase in the level of provision for credit
losses, delinquencies, nonperforming assets, net charge-offs and allowance for
credit losses.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>3</FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><B><I><FONT face="Times New Roman" size=2>The Company has lending
concentrations, including, but not limited to, churches and church-related
entities located in selected cities and privately-held businesses located in or
near St. Louis, Missouri, that could suffer a significant decline which could
adversely affect the Company.</FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Cass&#146; customer base consists, in part,
of lending concentrations in several segments and geographical areas. If any of
these segments or areas is significantly affected by weak economic conditions,
the Company could experience increased credit losses, and its business could be
adversely affected.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Fluctuations in interest rates
could affect Cass&#146; net interest income and balance sheet.</FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The operations of financial
institutions such as the Company are dependent to a large degree on net interest
income, which is the difference between interest income from loans and
investments and interest expense on deposits and borrowings. Prevailing economic
conditions, the fiscal and monetary policies of the federal government and the
policies of various regulatory agencies all affect market rates of interest,
which in turn significantly affect financial institutions&#146; net interest income.
Fluctuations in interest rates affect Cass&#146; financial statements, as they do for
all financial institutions. Volatility in interest rates can also result in
disintermediation, which is the flow of funds away from financial institutions
into direct investments, such as federal government and corporate securities and
other investment vehicles, which, because of the absence of federal insurance
premiums and reserve requirements, generally pay higher rates of return than
financial institutions. As discussed in greater detail in Item 7A, &#147;Quantitative
and Qualitative Disclosures about Market Risk,&#148; a continuation of the current
low level of interest rates would have a negative impact on the Company&#146;s net
interest income.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Methods of reducing risk
exposures might not be effective.</FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Instruments, systems and strategies
used to hedge or otherwise manage exposure to various types of credit, interest
rate, market and liquidity, operational, regulatory/compliance, business risks
and enterprise-wide risks could be less effective than anticipated. As a result,
the Company may not be able to effectively mitigate its risk exposures in
particular market environments or against particular types of risk.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Customer borrowing, repayment,
investment, deposit, and payable processing practices may be different than
anticipated.</FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company uses a variety of financial
tools, models and other methods to anticipate customer behavior as part of its
strategic and financial planning and to meet certain regulatory requirements.
Individual, economic, political and industry-specific conditions and other
factors outside of Cass&#146; control could alter predicted customer borrowing,
repayment, investment, deposit, and payable processing practices. Such a change
in these practices could adversely affect Cass&#146; ability to anticipate business
needs, including cash flow and its impact on liquidity, and to meet regulatory
requirements.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Cass must respond to rapid
technological changes and these changes may be more difficult or expensive than
anticipated.</FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>If competitors introduce new products
and services embodying new technologies, or if new industry standards and
practices emerge, the Company&#146;s existing product and service offerings,
technology and systems may become obsolete. Further, if Cass fails to adopt or
develop new technologies or to adapt its products and services to emerging
industry standards, Cass may lose current and future customers, which could have
a material adverse effect on its business, financial condition and results of
operations. The payment processing and financial services industries are
changing rapidly and in order to remain competitive, Cass must continue to
enhance and improve the functionality and features of its products, services and
technologies. These changes may be more difficult or expensive than the Company
anticipates.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Operational difficulties or
security problems could damage Cass&#146; reputation and business.</FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company depends on the reliable
operation of its computer operations and network connections from its clients to
its systems. Any operational problems or outages in these systems would cause
Cass to be unable to process transactions for its clients, resulting in
decreased revenues. In addition, any system delays, failures or loss of data,
whatever the cause, could reduce client satisfaction with the Company&#146;s products
and services and harm Cass&#146; financial results. Cass also depends on the security
of its systems. Company networks may be vulnerable to unauthorized access,
computer viruses and other disruptive problems. A material security problem
affecting Cass could damage its reputation, deter prospects from purchasing its
products and services, deter customers from using its products and services or
result in liability to Cass.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Cass&#146; stock price can become
volatile and fluctuate widely in response to a variety of
factors.</FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company&#146;s stock price can fluctuate
based on factors that can include actual or anticipated variations in Cass&#146;
quarterly results; new technology or services by competitors; unanticipated
losses or gains due to unexpected events, including losses or gains on
securities held for investment purposes; significant acquisitions or business
combinations, strategic partnerships, joint ventures or capital commitments by
or involving the Company or its competitors; changes in accounting policies or
practices; failure to integrate acquisitions or realize anticipated benefits
from acquisitions; or changes in government regulations.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>4</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2>General market fluctuations, industry
factors and general economic and political conditions, such as economic
slowdowns or recessions, governmental intervention, interest rate changes,
credit loss trends, low trading volume or currency fluctuations also could cause
Cass&#146; stock price to decrease regardless of the Company&#146;s operating
results.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Competitive product and pricing
pressure within Cass&#146; markets may change.</FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company operates in a very
competitive environment, which is characterized by competition from a number of
other vendors and financial institutions in each market in which it operates.
The Company competes with large payment processors and national and regional
financial institutions and also smaller auditing companies and banks in terms of
products and pricing. If the Company is unable to compete effectively in
products and pricing in its markets, business could decline.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Management&#146;s ability to maintain
and expand customer relationships may differ from
expectations.</FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The industries in which the Company
operates are very competitive. The Company not only competes for business
opportunities with new customers, but also competes to maintain and expand the
relationships it has with its existing customers. The Company continues to
experience pressures to maintain these relationships as its competitors attempt
to capture its customers.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>The introduction, withdrawal,
success and timing of business initiatives and strategies, including, but not
limited to, the expansion of payment and processing activities to new markets,
the expansion of products and services to existing markets and opening of new
bank branches, may be less successful or may be different than anticipated. Such
a result could adversely affect Cass&#146; business.</FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company makes certain projections
as a basis for developing plans and strategies for its payment processing and
banking products. If the Company does not accurately determine demand for its
products and services, it could result in the Company incurring significant
expenses without the anticipated increases in revenue, which could result in an
adverse effect on its earnings.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Management&#146;s ability to retain
key officers and employees may change.</FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Cass&#146; future operating results depend
substantially upon the continued service of Cass&#146; executive officers and key
personnel. Cass&#146; future operating results also depend in significant part upon
Cass&#146; ability to attract and retain qualified management, financial, technical,
marketing, sales, and support personnel. Competition for qualified personnel is
intense, and the Company cannot ensure success in attracting or retaining
qualified personnel. There may be only a limited number of persons with the
requisite skills to serve in these positions, and it may be increasingly
difficult for the Company to hire personnel over time. Cass&#146; business, financial
condition and results of operations could be materially adversely affected by
the loss of any of its key employees, by the failure of any key employee to
perform in his or her current position, or by Cass&#146; inability to attract and
retain skilled employees.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Changes in regulation or
oversight may have a material adverse impact on Cass&#146;
operations.</FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company is subject to extensive
regulation, supervision and examination by the Missouri Division of Finance, the
FDIC, the FRB, the SEC and other regulatory bodies. Such regulation and
supervision governs the activities in which the Company may engage. Regulatory
authorities have extensive discretion in their supervisory and enforcement
activities, including the imposition of restrictions on Cass&#146; operations,
investigations and limitations related to Cass&#146; securities, the classification
of Cass&#146; assets and determination of the level of Cass&#146; allowance for loan
losses. Any change in such regulation and oversight, whether in the form of
regulatory policy, regulations, legislation or supervisory action, may have a
material adverse impact on Cass&#146; operations.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Legal and regulatory proceedings
and related matters with respect to the financial services industry, including
those directly involving the Company and its subsidiaries, could adversely
affect Cass or the financial services industry in general.</FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company is subject to various legal
and regulatory proceedings. It is inherently difficult to assess the outcome of
these matters, and there can be no assurance that the Company will prevail in
any proceeding or litigation. Any such matter could result in substantial cost
and diversion of Cass&#146; efforts, which by itself could have a material adverse
effect on Cass&#146; financial condition and operating results. Further, adverse
determinations in such matters could result in actions by Cass&#146; regulators that
could materially adversely affect Cass&#146; business, financial condition or results
of operations. Please refer to Item 3, &#147;Legal Proceedings.&#148;</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>5</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><B><I><FONT face="Times New Roman" size=2>The Company&#146;s accounting policies
and methods are the basis of how Cass reports its financial condition and
results of operations, and they require management to make estimates about
matters that are inherently uncertain. In addition, changes in accounting
policies and practices, as may be adopted by the regulatory agencies, the
Financial Accounting Standards Board, or other authoritative bodies, could
materially impact Cass&#146; financial statements. </FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company&#146;s accounting policies and
methods are fundamental to how Cass records and reports its financial condition
and results of operations. Management must exercise judgment in selecting and
applying many of these accounting policies and methods in order to ensure that
they comply with generally accepted accounting principles and reflect
management&#146;s judgment as to the most appropriate manner in which to record and
report Cass&#146; financial condition and results of operations. In some cases,
management must select the accounting policy or method to apply from two or more
alternatives, any of which might be reasonable under the circumstances yet might
result in the Company reporting materially different amounts than would have
been reported under a different alternative.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Cass has identified four accounting
policies as being &#147;critical&#148; to the presentation of its financial condition and
results of operations because they require management to make particularly
subjective and/or complex judgments about matters that are inherently uncertain
and because of the likelihood that materially different amounts would be
reported under different conditions or using different assumptions. More
information on Cass&#146; critical accounting policies is contained in Item 7,
&#147;Management&#146;s Discussion and Analysis of Financial Condition and Results of
Operations.&#148; </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>From time to time, the regulatory
agencies, the Financial Accounting Standards Board (&#147;FASB&#148;), and other
authoritative bodies change the financial accounting and reporting standards
that govern the preparation of the Company&#146;s financial statements. These changes
can be hard to predict and can materially impact how management records and
reports the Company&#146;s financial condition and results of operations. </FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Cass is subject to examinations
and challenges by tax authorities, which, if not resolved in the Company&#146;s
favor, could adversely affect the Company&#146;s financial condition and results of
operations.</FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>In the normal course of business, Cass
and its affiliates are routinely subject to examinations and challenges from
federal and state tax authorities regarding the amount of taxes due in
connection with investments it has made and the businesses in which it is
engaged. Recently, federal and state taxing authorities have become increasingly
aggressive in challenging tax positions taken by financial institutions. These
tax positions may relate to tax compliance, sales and use, franchise, gross
receipts, payroll, property and income tax issues, including tax base,
apportionment and tax credit planning. The challenges made by tax authorities
may result in adjustments to the timing or amount of taxable income or
deductions or the allocation of income among tax jurisdictions. If any such
challenges are made and are not resolved in the Company&#146;s favor, they could have
an adverse effect on Cass&#146; financial condition and results of operations.
</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>There could be terrorist
activities or other hostilities, which may adversely affect the general economy,
financial and capital markets, specific industries, and the
Company.</FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The terrorist attacks in September 2001
in the United States and ensuing events, as well as the resulting decline in
consumer confidence, had a material adverse effect on the economy. Any similar
future events may disrupt Cass&#146; operations or those of its customers. In
addition, these events had and may continue to have an adverse impact on the
U.S. and world economy in general and consumer confidence and spending in
particular, which could harm Cass&#146; operations. Any of these events could
increase volatility in the U.S. and world financial markets, which could harm
Cass&#146; stock price and may limit the capital resources available to its customers
and the Company. This could have a significant impact on Cass&#146; operating
results, revenues and costs and may result in increased volatility in the market
price of Cass&#146; common stock.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>There could be natural disasters,
including, but not limited to, hurricanes, tornadoes, earthquakes, fires and
floods, which may adversely affect the general economy, financial and capital
markets, specific industries, and the Company.</FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company has significant operations
and customer base in Missouri, California, Ohio, Massachusetts, South Carolina,
Kansas, Florida and other regions where natural disasters may occur. These
regions are known for being vulnerable to natural disasters and other risks,
such as tornadoes, hurricanes, earthquakes, fires and floods. These types of
natural disasters at times have disrupted the local economy, Cass&#146; business and
customers and have posed physical risks to Cass&#146; property. A significant natural
disaster could materially affect Cass&#146; operating results. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>ITEM 1B. </FONT></B><B><U><FONT face="Times New Roman" size=2>UNRESOLVED STAFF COMMENTS</FONT></U></B><B><FONT face="Times New Roman" size=2> </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>None.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>6 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>ITEM 2. </FONT></B><B><U><FONT face="Times New Roman" size=2>PROPERTIES</FONT></U></B><B><FONT face="Times New Roman" size=2>
</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company&#146;s headquarters are located
at 13001 Hollenberg Drive, Bridgeton, Missouri. This location is owned by the
Company, and includes a building with approximately 61,500 square feet of office
space. The Company also owns a production facility of approximately 45,500
square feet located at 2675 Corporate Exchange Drive, Columbus, Ohio. Additional
facilities are located in Lowell, Massachusetts where approximately 7,000 square
feet of office space is leased through March 2016, Greenville, South Carolina
where approximately 8,500 square feet of office space is leased through November
2013, Wellington, Kansas where approximately 2,000 square feet of office space
is leased through June 2016 and Columbus, Ohio where approximately 8,500 square
feet of office space is leased through March 2013. The Company has an office in
Breda, Netherlands to service its multinational customers. Total space leased is
732 square feet and it is leased through December 2013. During January 2012,
Cass purchased the assets of an environmental expense management company in
Jacksonville, Florida with two locations totaling 4,876 square feet leased
through December 2012. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The Bank&#146;s headquarters are also
located at 13001 Hollenberg Drive, Bridgeton, Missouri. The Bank occupies
approximately 20,500 square feet of the 61,500 square foot building. In
addition, the Bank owns a banking facility near downtown St. Louis, Missouri
that consists of approximately 1,750 square feet with adjoining drive-up
facilities. The Bank has additional leased facilities in Fenton, Missouri (2,000
square feet) and Santa Ana, California (3,400 square feet). The Bank closed its
facilities in Maryland Heights, Missouri (2,500 square feet) and Chesterfield,
Missouri (2,850 square feet) in December 2011 and February 2012,
respectively.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Management believes that these
facilities are suitable and adequate for the Company&#146;s operations. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>ITEM 3</FONT></B><FONT face="Times New Roman" size=2>. </FONT><B><U><FONT face="Times New Roman" size=2>LEGAL
PROCEEDINGS</FONT></U></B><FONT face="Times New Roman" size=2> </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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&#146;s bankruptcy
filing. The Company processed and paid the freight carrier bills for Linens N&#146;
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&#146; 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.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>ITEM 4</FONT></B><FONT face="Times New Roman" size=2>. </FONT><B><U><FONT face="Times New Roman" size=2>MINE SAFETY
DISCLOSURES</FONT></U></B><FONT face="Times New Roman" size=2> </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Not applicable. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>7</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><U><FONT face="Times New Roman" size=2>PART II.</FONT></U></B></P>
<P align=justify><B><FONT face="Times New Roman" size=2>ITEM 5. </FONT></B><B><U><FONT face="Times New Roman" size=2>MARKET FOR REGISTRANT&#146;S COMMON EQUITY AND RELATED STOCKHOLDER
</FONT></U></B><B><U><FONT face="Times New Roman" size=2>MATTERS</FONT></U></B><FONT face="Times New Roman" size=2> </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company&#146;s common stock is quoted on
The Nasdaq Global Select Market&reg; under the symbol &#147;CASS.&#148; As of March 5, 2012,
there were 148 holders of record of the Company&#146;s common stock. High and low
sale prices, as reported by The Nasdaq Global Select Market for each quarter of
2011 and 2010, restated for stock dividends, were as follows:</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="9%" colSpan=5><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="7%" colSpan=5><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"></TD>
    <TD noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>High</FONT></B></TD>
    <TD noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Low</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="3%" colSpan=2><B><FONT face="Times New Roman" size=2>High</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="3%" colSpan=2><B><FONT face="Times New Roman" size=2>Low</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1<SUP>st
      </SUP>Quarter</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>36.23</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>32.08</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>28.82</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>26.50</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>2<SUP>nd </SUP>Quarter</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36.64</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>32.49</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>31.82</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>27.37</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3<SUP>rd
      </SUP>Quarter</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>35.25</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>27.05</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>32.08</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>28.75</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>4<SUP>th </SUP>Quarter</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36.39</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>35.54</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>36.81</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>30.46</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>The Company has continuously paid
regularly scheduled cash dividends since 1934 and expects to continue to pay
quarterly cash dividends in the future. Cash dividends paid per share, restated
for stock dividends, by the Company during the two most recent fiscal years were
as follows: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="60%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="90%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>March</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.145</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.127</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%"><FONT face="Times New Roman" size=2>June</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.145</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.127</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>September</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.145</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.127</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%"><FONT face="Times New Roman" size=2>December</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.170</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.145</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>On October 17, 2011, the Board of
Directors re-authorized the repurchase of up to 330,000 shares of the Company&#146;s
common stock, pursuant to a treasury stock buyback program maintained by the
Company. Under the program, the Company repurchased 12,000 shares (not restated
for the 2011 stock dividend) for an aggregate purchase price of $467,000 in
2010. There were no repurchases in 2011. As of December 31, 2011, 330,000 shares
remained available for repurchase under the program. A portion of the
repurchased shares may be used for the Company's employee benefit plans, and the
balance will be available for other general corporate purposes. The stock
repurchase authorization does not have an expiration date and the pace of
repurchase activity will depend on factors such as levels of cash generation
from operations, cash requirements for investments, repayment of debt, current
stock price, and other factors. The Company may repurchase shares from time to
time on the open market or in private transactions, including structured
transactions. The stock repurchase program may be modified or discontinued at
any time. </FONT></P>
<P align=justify><B><U><FONT face="Times New Roman" size=2>Performance Quoted on The Nasdaq
Stock Market for the Last Five Fiscal Years</FONT></U></B><B><FONT face="Times New Roman" size=2> </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The following graph compares the
cumulative total returns over the last five fiscal years of a hypothetical
investment of $100 in shares of common stock of the Company with a hypothetical
investment of $100 in The Nasdaq Stock Market (US) (&#147;Nasdaq&#148;) and in the index
of Nasdaq computer and data processing stocks. The graph assumes $100 was
invested on December 31, 2006, with dividends reinvested. Returns are based on
period end prices. </FONT></P>
<P align=center><IMG src="cass_10k1x10x1.jpg" border=0></P><BR>
<P align=center><FONT face="Times New Roman" size=2>8</FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>


<P align=justify><B><FONT face="Times New Roman" size=2>ITEM 6. </FONT></B><B><U><FONT face="Times New Roman" size=2>SELECTED FINANCIAL DATA</FONT></U></B><B><FONT face="Times New Roman" size=2> </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The following table presents selected
financial information for each of the five years ended December 31. The selected
financial data should be read in conjunction with the Company&#146;s consolidated
financial statements and accompanying notes included in Item 8 of this report.
</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="70%"><I><FONT face="Times New Roman" size=2>(Dollars in thousands except per share data)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2008</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2007</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Fee revenue and other
      income</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>62,824</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>56,146</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>51,238</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>53,170</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>48,200</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>Interest income on loans</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>39,515</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>39,785</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36,003</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>34,204</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36,288</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Interest income on debt
      and equity securities</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>10,034</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>8,747</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,611</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,716</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,531</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>Other interest income</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>686</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>514</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>170</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,218</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>7,527</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest
      income</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>50,235</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>49,046</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>43,784</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>44,138</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>49,346</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>Interest expense on deposits</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,374</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,875</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,924</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>3,179</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>7,728</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Interest expense on
      short-term borrowings</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>23</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>Interest on debentures and other</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>106</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>187</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>230</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest
      expense</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,374</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,875</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,053</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,378</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,964</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest
      income</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>45,861</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>44,171</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>38,731</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>40,760</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>41,382</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Provision for loan
      losses</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,150</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,100</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,050</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,200</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>900</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest income
      after provision</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>43,711</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>40,071</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36,681</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>38,560</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>40,482</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Operating
expense</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>75,029</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>68,284</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>66,385</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>65,564</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>62,739</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income before
      income tax expense</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>31,506</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>27,933</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>21,534</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>26,166</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>25,943</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income tax
      expense</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>8,497</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,623</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,405</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,160</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>8,148</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="70%"><FONT face="Times New Roman" size=2>Net
      income</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>23,009</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>20,310</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>16,129</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>19,006</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>17,795</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Diluted earnings per
      share</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2.21</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.95</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.57</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.85</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.73</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>Dividends per share</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.61</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.53</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.48</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.45</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.41</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Dividend payout ratio</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>27.29</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>26.82</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>30.54</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>24.14</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>23.53</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>Average total assets</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,301,635</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2></FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT size=2 face="Times New Roman">$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT size=2 face="Times New Roman">1,157,257<STRONG></STRONG></FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>978,171</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>922,471</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>891,734</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Average net
loans</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>683,215</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>666,202</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>606,304</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>546,110</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>508,621</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>Average debt and equity securities</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>263,264</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>222,249</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>193,393</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>197,273</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>141,363</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Average total
      deposits</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>541,337</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>470,096</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>375,572</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>241,844</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>279,831</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>Average subordinated convertible
      debentures</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,984</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>3,669</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>3,699</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Average total shareholders&#146; equity</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>151,669</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>137,748</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>117,663</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>104,185</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>89,427</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>Return on average total assets</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1.77</FONT></TD>
    <TD noWrap align=left width="1%"><FONT size=2 face="Times New Roman">%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2></FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1.76</FONT></TD>
    <TD noWrap align=left width="1%"><FONT size=2 face="Times New Roman">%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2></FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1.65</FONT></TD>
    <TD noWrap align=left width="1%"><FONT size=2 face="Times New Roman">%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2></FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2.06</FONT></TD>
    <TD noWrap align=left width="1%"><FONT size=2 face="Times New Roman">%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2></FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2.00</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Return on average
      equity</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>15.17</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>14.74</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>13.71</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>18.24</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>19.90</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>Average equity to assets ratio</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>11.65</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>11.90</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>12.03</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>11.29</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>10.03</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Equity to assets ratio at
      year-end</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12.17</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11.96</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12.79</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12.00</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11.01</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>Tangible common equity to tangible
      assets</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>11.66</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>11.38</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>12.11</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>11.19</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>10.18</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Tangible common equity to
      risk-weighted
    <BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;assets</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>17.47</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>15.20</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>15.60</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>13.60</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>14.25</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>Net interest margin</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4.31</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4.61</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4.79</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5.34</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5.45</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Allowance for loan losses
      to loans at year-end</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.93</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.68</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.29</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.09</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.26</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>Nonperforming assets to loans and foreclosed
      <BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;assets</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.51</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.35</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.55</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.57</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.77</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Net loan charge-offs to average loans
      <BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;outstanding</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.16</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.07</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.04</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.37</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.24</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR></TABLE><BR>
<TABLE style="BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="2%"><B><FONT face="Times New Roman" size=2>ITEM
      7.&nbsp;</FONT></B></TD>
    <TD vAlign=top align=left width="98%"><B><U><FONT face="Times New Roman" size=2>MANAGEMENT'S DISCUSSION AND ANALYSIS OF FINANCIAL
      CONDITION AND RESULTS OF OPERATIONS</FONT></U></B></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>The following discussion and analysis
provides information about the financial condition and results of operations of
the Company for the years ended December 31, 2011, 2010 and 2009. All share and
per share data have been restated to give effect to the 10% stock dividend
issued on December 15, 2011. This discussion and analysis should be read in
conjunction with the Company&#146;s consolidated financial statements and
accompanying notes and other selected financial data presented elsewhere in this
report. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>9</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>Executive Overview </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Cass provides payment and information
processing services to large manufacturing, distribution and retail enterprises
from its offices/locations in St. Louis, Missouri, Columbus, Ohio, Boston,
Massachusetts, Greenville, South Carolina, Wellington, Kansas, Breda,
Netherlands and Jacksonville, Florida. The Company&#146;s services include freight
invoice rating, payment processing, auditing, and the generation of accounting
and transportation information. Cass also processes and pays utility invoices,
which include electricity, gas and telecommunications expenses, and is a
provider of telecom expense management solutions. Cass extracts, stores, and
presents information from freight, utility, telecommunication and environmental
invoices, assisting its customers&#146; transportation, energy, environmental and
information technology managers in making decisions that will enable them to
improve operating performance. The Company receives data from multiple sources,
electronic and otherwise, and processes the data to accomplish the specific
operating requirements of its customers. It then provides the data in a central
repository for access and archiving. The data is finally transformed into
information through the Company&#146;s databases that allow client interaction as
required and provide Internet-based tools for analytical processing. The Company
also, through Cass Commercial Bank, its St. Louis, Missouri based bank
subsidiary (the &#147;Bank&#148;), provides banking services in the St. Louis metropolitan
area, Orange County, California, and other selected cities in the United States.
In addition to supporting the Company&#146;s payment operations, the Bank provides
banking services to its target markets, which include privately-owned businesses
and churches and church-related ministries.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The specific payment and information
processing services provided to each customer are developed individually to meet
each customer&#146;s requirements, which can vary greatly. In addition, the degree of
automation such as electronic data interchange, imaging, and web-based solutions
varies greatly among customers and industries. These factors combine so that
pricing varies greatly among the customer base. In general, however, Cass is
compensated for its processing services through service fees and investment of
account balances generated during the payment process. The amount, type, and
calculation of service fees vary greatly by service offering, but generally
follow the volume of transactions processed. Interest income from the balances
generated during the payment processing cycle is affected by the amount of time
Cass holds the funds prior to payment and the dollar volume processed. Both the
number of transactions processed and the dollar volume processed are therefore
key metrics followed by management. Other factors will also influence revenue
and profitability, such as changes in the general level of interest rates, which
have a significant effect on net interest income. The funds generated by these
processing activities are invested in overnight investments, investment grade
securities, and loans generated by the Bank. The Bank earns most of its revenue
from net interest income, or the difference between the interest earned on its
loans and investments and the interest paid on its deposits and other
borrowings. The Bank also assesses fees on other services such as cash
management services. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Industry-wide factors that impact the
Company include the willingness of large corporations to outsource key business
functions such as freight, utility, telecommunication and environmental payment
and audit. The benefits that can be achieved by outsourcing transaction
processing and the management information generated by Cass&#146; systems can be
influenced by factors such as the competitive pressures within industries to
improve profitability, the general level of transportation costs, deregulation
of energy costs, and consolidation of telecommunication providers. Economic
factors that impact the Company include the general level of economic activity
that can affect the volume and size of invoices processed, the ability to hire
and retain qualified staff, and the growth and quality of the loan portfolio. As
economic conditions continued to slowly improve in 2011, the number and total
dollar volumes of transactions processed increased, thereby increasing fee
revenue, interest income, and liquidity. The general level of interest rates
also has a significant effect on the revenue of the Company. As discussed in
greater detail in Item 7A, &#147;Quantitative and Qualitative Disclosures about
Market Risk,&#148; a decline in the general level of interest rates can have a
negative impact on net interest income. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>In January 2011, Cass opened an office
in Breda, Netherlands, to support the Company&#146;s multinational information
processing clients. The revenues, expenditures and assets related to this office
did not account for a significant portion of the Company&#146;s business during the
year ended December 31, 2011 and the current activities are not significant
enough to pose substantial risk. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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 Cass&#146; 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. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>In 2011, total fee revenue and other
income increased $6,678,000, or 12%, net interest income after provision for
loan losses increased $3,640,000, or 9%, and total operating expenses increased
$6,745,000, or 10%. These results were driven by a 3,932,000, or 10%, increase
in items processed and $4,519,000,000, or 16%, increase in dollars processed.
The asset quality of the Company&#146;s loans and investments as of December 31, 2011
remained strong.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Currently, management views Cass&#146; major
opportunity as the continued expansion of its payment and information processing
service offerings and customer base. Management intends to accomplish this by
maintaining the Company&#146;s leadership position in applied technology, which when
combined with the security and processing controls of the Bank, makes Cass
unique in the industry. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>10</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>Impact of New and Not Yet Adopted
Accounting Pronouncements </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>In June 2011, the FASB issued
Accounting Standards Update (&#147;ASU&#148;) No. 2011-05 &#150; </FONT><I><FONT face="Times New Roman" size=2>Comprehensive Income (ASC Topic 220) &#150; Presentation of Comprehensive
Income</FONT></I><FONT face="Times New Roman" size=2>. 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&#146;
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&#146;s address
financial statement presentation, the adoptions will not impact the Company&#146;s
consolidated financial statements or results of operations.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>In September 2011, the FASB issued ASU
No. 2011-08 &#150; </FONT><I><FONT face="Times New Roman" size=2>Intangibles &#150; Goodwill and Other
(ASC Topic 350) &#150; Testing of Goodwill for Impairment</FONT></I><FONT face="Times New Roman" size=2>. 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&#146;s consolidated financial
statements or results of operations. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Critical Accounting Policies
</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company has prepared the
consolidated financial statements in this report in accordance with the FASB
Accounting Standards Codification (&#147;ASC&#148;). In preparing the consolidated
financial statements, management makes estimates and assumptions that affect the
reported amount of assets and liabilities, disclosure of contingent assets and
liabilities at the date of the financial statements, and the reported amounts of
revenue and expenses during the reporting period. These estimates have been
generally accurate in the past, have been consistent and have not required any
material changes. There can be no assurances that actual results will not differ
from those estimates. Certain accounting policies that require significant
management estimates and are deemed critical to the Company&#146;s results of
operations or financial position have been discussed with the Audit Committee of
the Board of Directors and are described below. </FONT></P>
<P align=justify><I><FONT face="Times New Roman" size=2>Allowance for Loan
Losses</FONT></I><FONT face="Times New Roman" size=2>. The Company performs periodic and
systematic detailed reviews of its loan portfolio to assess overall
collectability. The level of the allowance for loan losses reflects management&#146;s
estimate of the collectability of the loan portfolio. Although these estimates
are based on established methodologies for determining allowance requirements,
actual results can differ significantly from estimated results. These policies
affect both segments of the Company. The impact and associated risks related to
these policies on the Company&#146;s business operations are discussed in the
&#147;Provision and Allowance for Loan Losses&#148; section of this report. The Company&#146;s
estimates have been materially accurate in the past, and accordingly, the
Company expects to continue to utilize the present processes. </FONT></P>
<P align=justify><I><FONT face="Times New Roman" size=2>Impairment of Assets</FONT></I><FONT face="Times New Roman" size=2>. The Company periodically evaluates certain long-term assets
such as intangible assets including goodwill, foreclosed assets and assets held
for sale for impairment. Generally, these assets are initially recorded at cost,
and recognition of impairment is required when events and circumstances indicate
that the carrying amounts of these assets will not be recoverable in the future.
If impairment occurs, various methods of measuring impairment may be called for
depending on the circumstances and type of asset, including quoted market
prices, estimates based on similar assets, and estimates based on valuation
techniques such as discounted projected cash flows. The Company had no
impairment of goodwill and intangible assets for fiscal years ended December 31,
2011, 2010 and 2009 and management does not anticipate any future impairment
loss. Investment securities available-for-sale are measured at fair value as
calculated by an independent research firm. The market evaluation utilizes
several sources which include &#147;observable inputs&#148; rather than &#147;significant
unobservable inputs.&#148; These policies affect both segments of the Company and
require significant management assumptions and estimates that could result in
materially different results if conditions or underlying circumstances change.
</FONT></P>
<P align=justify><I><FONT face="Times New Roman" size=2>Income Taxes</FONT></I><FONT face="Times New Roman" size=2>. The objectives of accounting for income taxes are to
recognize the amount of taxes payable or refundable for the current year and
deferred tax liabilities and assets for the future tax consequences of events
that have been recognized in an entity's financial statements or tax returns.
Judgment is required in addressing the future tax consequences of events that
have been recognized in the Company&#146;s financial statements or tax returns such
as the realization of deferred tax assets or changes in tax laws or
interpretations thereof. In addition, the Company is subject to the continuous
examination of its income tax returns by the Internal Revenue Service and other
taxing authorities. In accordance with FASB ASC 740, &#147;Income Taxes,&#148; the Company
has unrecognized tax benefits related to tax positions taken or expected to be
taken. See Note 13 to the consolidated financial statements.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>11</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><I><FONT face="Times New Roman" size=2>Pension Plans. </FONT></I><FONT face="Times New Roman" size=2>The amounts recognized in the consolidated financial
statements related to pension plans 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 to the
consolidated financial statements. There have been no significant changes in the
Company&#146;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 FASB ASC 715, &#147;Compensation &#150; Retirement
Benefits,&#148; 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. 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. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Summary of
Results</FONT></B><B><FONT face="Times New Roman" size=1></FONT></B></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="65%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD NOWRAP COLSPAN="11" STYLE="border-bottom: Black 1pt solid; text-align: center; width: 16%"><B><FONT face="Times New Roman" size=2>For the Years Ended December
      31,</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD NOWRAP COLSPAN="5" STYLE="border-bottom: Black 1pt solid; text-align: center; width: 17%"><B><FONT face="Times New Roman" size=2>% Change</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left; width: 65%"><I><FONT face="Times New Roman" size=2>(In thousands except per share data)</FONT></I></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: center; width: 1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD NOWRAP COLSPAN="3" STYLE="border-bottom: Black 1pt solid; text-align: center; width: 4%"><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: center; width: 1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD NOWRAP COLSPAN="3" STYLE="border-bottom: Black 1pt solid; text-align: center; width: 5%"><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: center; width: 1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD NOWRAP COLSPAN="3" STYLE="border-bottom: Black 1pt solid; text-align: center; width: 5%"><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: center; width: 1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD NOWRAP COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; width: 8%"><B><FONT face="Times New Roman" size=2>2011 v. 2010</FONT></B></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: center; width: 1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD NOWRAP COLSPAN="2" STYLE="border-bottom: Black 1pt solid; text-align: center; width: 8%"><B><FONT face="Times New Roman" size=2>2010 v. 2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="65%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total processing
      volume</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>42,466</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>38,534</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>34,619</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>10.2</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11.3</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="65%"><FONT face="Times New Roman" size=2>Total processing dollars</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>31,945,761</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>27,426,336</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>23,717,451</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="7%"><FONT face="Times New Roman" size=2>16.5</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="7%"><FONT face="Times New Roman" size=2>15.6</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="65%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Payment and processing
      fees</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>60,688</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>54,183</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>48,665</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12.0</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11.3</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="65%"><FONT face="Times New Roman" size=2>Net interest income after provision
      for<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;loan losses</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>43,711</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>40,071</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36,681</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="7%"><FONT face="Times New Roman" size=2>9.1</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="7%"><FONT face="Times New Roman" size=2>9.2</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="65%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total net
revenue</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>106,535</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>96,217</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>87,919</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>10.7</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9.4</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="65%"><FONT face="Times New Roman" size=2>Average earning assets</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>1,188,283</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,060,559</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>894,951</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="7%"><FONT face="Times New Roman" size=2>12.0</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="7%"><FONT face="Times New Roman" size=2>18.5</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="65%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Net interest
    margin*</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4.31</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4.61</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4.79</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="7%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="7%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="65%"><FONT face="Times New Roman" size=2>Net income</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>23,009</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>20,310</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>16,129</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="7%"><FONT face="Times New Roman" size=2>13.3</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="7%"><FONT face="Times New Roman" size=2>25.9</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="65%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Diluted earnings per
      share</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2.21</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.95</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.57</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>13.3</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>24.3</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="65%"><FONT face="Times New Roman" size=2>Return on average assets</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>1.77</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1.76</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1.65</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="7%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="7%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left; width: 65%; background-color: #c0c0c0"><FONT face="Times New Roman" size=2>Return on average equity</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left; width: 1%; background-color: #c0c0c0"></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left; width: 1%; background-color: #c0c0c0"></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right; width: 2%; background-color: #c0c0c0"><FONT face="Times New Roman" size=2>15.17</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left; width: 1%; background-color: #c0c0c0"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left; width: 1%; background-color: #c0c0c0"></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left; width: 1%; background-color: #c0c0c0"></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right; width: 3%; background-color: #c0c0c0"><FONT face="Times New Roman" size=2>14.74</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left; width: 1%; background-color: #c0c0c0"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left; width: 1%; background-color: #c0c0c0"></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left; width: 1%; background-color: #c0c0c0"></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: right; width: 3%; background-color: #c0c0c0"><FONT face="Times New Roman" size=2>13.71</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left; width: 1%; background-color: #c0c0c0"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left; width: 1%; background-color: #c0c0c0"></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left; width: 7%; background-color: #c0c0c0"></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left; width: 1%; background-color: #c0c0c0"></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left; width: 1%; background-color: #c0c0c0"></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left; width: 7%; background-color: #c0c0c0"></TD>
    <TD NOWRAP STYLE="border-bottom: Black 1pt solid; text-align: left; width: 1%; background-color: #c0c0c0"></TD></TR></TABLE><BR>
<TABLE style="BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT size=2 face="Times New Roman">*</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="98%"><FONT face="Times New Roman" size=2>Presented on a
      tax-equivalent basis</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>The results of 2011 compared to 2010
include the following significant items: </FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>Payment and
processing fee revenue increased as the number of transactions processed
increased. This increase was due to increased activity from both base and new
customers. </FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>Net interest
income after provision for loan losses increased $3,640,000, or 9%, due to the
12% growth in average earning assets. The net interest margin on a tax
equivalent basis decreased from 4.61% in 2010 to 4.31% in 2011. The growth in
average earning assets was funded by increases in deposits and accounts and
drafts payable. </FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>Gains from
the sale of securities were $43,000 in 2011 and $0 in 2010. Bank service fees
were down $56,000, or 4%, and other income was up $229,000 primarily due to an
increase in bank-owned life insurance income. Operating expenses increased
$6,745,000, or 10%, primarily in response to the increase in business volume.
</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The results of 2010 compared to 2009
include the following significant items: </FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>Payment and
processing fee revenue increased as the number of transactions processed
increased. This increase was due to increased activity from both base and new
customers. </FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>Net interest
income after provision for loan losses increased $3,390,000, or 9%, due to the
18% growth in average earning assets. The net interest margin on a tax
equivalent basis was 4.61% in 2010 compared to 4.79% in 2009. The growth in
average earning assets was funded mainly by the increase in deposits.
</FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>Gains from
the sale of securities were $0 in 2010 and $697,000 in 2009. Bank service fees
were up $86,000, or 6%, and other income was approximately the same in 2010 and
2009. Operating expenses increased $1,899,000, or 3%, primarily in response to
the increase in business volume, as well as higher professional fees as the
Company invested for future growth. </FONT></P>

<P align=center><FONT face="Times New Roman" size=2>12</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>

<P align=justify><B><FONT face="Times New Roman" size=2>Fee Revenue and Other Income
</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company&#146;s fee revenue is derived
mainly from transportation and utility payment and processing fees. As the
Company provides its processing and payment services, it is compensated by
service fees which are typically calculated on a per-item basis and by the
accounts and drafts payable balances generated in the payment process which can
be used to generate interest income. Processing volumes, fee revenue and other
income were as follows: </FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="69%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="12%" colSpan=8><B><FONT face="Times New Roman" size=2>December 31,</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="17%" colSpan=5><B><FONT face="Times New Roman" size=2>% Change</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="69%"><I><FONT face="Times New Roman" size=2>(In thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="8%" colSpan=2><B><FONT face="Times New Roman" size=2>2011 v. 2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="8%" colSpan=2><B><FONT face="Times New Roman" size=2>2010 v. 2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Transportation invoice
      transaction volume</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>29,025</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>26,287</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>23,137</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>10.4</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>13.6</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%"><FONT face="Times New Roman" size=2>Transportation invoice dollar
    volume</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>20,599,503</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>16,966,003</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>14,047,342</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="7%"><FONT face="Times New Roman" size=2>21.4</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="7%"><FONT face="Times New Roman" size=2>20.8</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Utility transaction
      volume</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>13,441</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12,247</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11,482</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9.7</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6.7</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%"><FONT face="Times New Roman" size=2>Utility transaction dollar volume</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>10,702,242</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>10,460,333</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>9,670,109</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="7%"><FONT face="Times New Roman" size=2>2.3</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="7%"><FONT face="Times New Roman" size=2>8.2</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Payment and processing
      revenue</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>60,688</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>54,183</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>48,665</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12.0</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11.3</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%"><FONT face="Times New Roman" size=2>Bank service fees</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,354</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,410</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,324</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="7%"><FONT face="Times New Roman" size=2>(4.0</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="7%"><FONT face="Times New Roman" size=2>6.5</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Gains on sales of
      investment securities</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>43</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>0</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>697</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="69%"><FONT face="Times New Roman" size=2>Other</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>739</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>553</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>552</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="7%"><FONT face="Times New Roman" size=2>33.6</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="7%"><FONT face="Times New Roman" size=2>0.2</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>Fee revenue and other income in 2011
compared to 2010 include the following significant pre-tax components:
</FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>Transportation dollar volume increased by 21% during the past year,
primarily due to increased activity from both base and new customers. Utility
transaction dollar volume had a slight increase of 2%. Overall, revenues for the
year were up 12%. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Fee revenue and other income in 2010
compared to 2009 include the following significant pre-tax components:
</FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>Transportation dollar volume increased by 21% during 2010. This increase
was due to the increased activity from both base and new customers. Utility
transaction dollar volume was up a solid 8%. Overall, revenues for the year were
up 11%. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Net Interest Income </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Net interest income is the difference
between interest earned on loans, investments, and other earning assets and
interest expense on deposits and other interest-bearing liabilities. Net
interest income is a significant source of the Company&#146;s revenues. The following
table summarizes the changes in tax-equivalent net interest income and related
factors: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="65%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="16%" colSpan=11><B><FONT face="Times New Roman" size=2>December 31,</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="17%" colSpan=5><B><FONT face="Times New Roman" size=2>% Change</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="65%"><I><FONT face="Times New Roman" size=2>(In thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="4%" colSpan=3><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="8%" colSpan=2><B><FONT face="Times New Roman" size=2>2011 v. 2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="8%" colSpan=2><B><FONT face="Times New Roman" size=2>2010 v. 2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="65%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Average earning
      assets</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,188,283</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,060,559</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>894,951</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12.0</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>18.5</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="65%"><FONT face="Times New Roman" size=2>Net interest income*</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>51,248</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>48,891</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>42,869</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="7%"><FONT face="Times New Roman" size=2>4.8</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="7%"><FONT face="Times New Roman" size=2>14.0</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="65%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Net interest
    margin*</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4.31</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4.61</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4.79</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="7%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="7%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="65%"><FONT face="Times New Roman" size=2>Yield on earning assets*</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>4.68</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5.07</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5.35</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="7%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="7%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="65%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Rate on interest bearing liabilities</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.07</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.37</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.81</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="7%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="7%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR></TABLE><BR>
<TABLE style="BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT size=2 face="Times New Roman">*</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="98%"><FONT face="Times New Roman" size=2>Presented on a
      tax-equivalent basis using a tax rate of 35% in 2011, 35% in 2010 and 34%
      in 2009.</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>Net interest income in 2011 compared to
2010: </FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>The increase
in net interest income was caused by the increase in average earning assets,
partially offset by a decrease in net interest margin. The increase in earning
assets was funded mainly by the increase in deposits and accounts and drafts
payable. The decrease in net interest margin was due to the lack of satisfactory
investment alternatives in this historically low interest rate environment. More
information is contained in the tables below and in Item 7A of this report.
</FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>Total
average loans increased $20,083,000, or 3%, to $695,984,000. Loans have a
positive effect on interest income and the net interest margin due to the fact
that loans are one of the Company&#146;s highest yielding earning assets for any
given maturity. </FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>Total
average investment in securities increased $41,015,000, or 18%, to $263,264,000.
The investment portfolio will expand and contract over time as the Company
manages its liquidity and interest rate position. All purchases were made in
accordance with the Company&#146;s investment policy. Total average federal funds
sold and other short-term investments increased $2,370,000, or 2%. </FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>The Bank&#146;s
total average interest-bearing deposits increased $52,276,000, or 15%, compared
to the prior year. This increase in deposits, along with the $63,318,000, or 12%
increase in accounts and drafts payable, funded the increase in earning assets.
Average rates paid on interest-bearing liabilities decreased from 1.37% to 1.07%
as a result of the continued low interest rate environment.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Net interest income in 2010 compared to
2009: </FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>The increase
in net interest income was caused by the increase in average earning assets,
partially offset by a decrease in net interest margin. The increase in earning
assets was funded mainly by the increase in deposits and accounts and drafts
payable. The decrease in net interest margin was due to the continued low
interest rate environment. More information is contained in the tables below and
in Item 7A of this report.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>13</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>Total
average loans increased $62,642,000, or 10%, to $675,901,000. Loans have a
positive effect on interest income and the net interest margin due to the fact
that loans are one of the Company&#146;s highest yielding earning assets for any
given maturity. </FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>Total
average investment in securities increased $28,856,000, or 15%, to $222,249,000.
The investment portfolio will expand and contract over time as the interest rate
environment changes and the Company manages its liquidity and interest rate
position. All purchases were made in accordance with the Company&#146;s investment
policy. Total average federal funds sold and other short-term investments
increased $68,280,000, or 117%. </FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>The Bank&#146;s
total average interest-bearing deposits increased $83,063,000, or 30%, compared
to the prior year. This increase in deposits, along with the $73,729,000, or 16%
increase in accounts and drafts payable, funded the increase in earning assets.
Average rates paid on interest-bearing liabilities decreased from 1.81% to 1.37%
as a result of the continued low interest rate environment experienced during
2010.</FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Distribution of Assets, Liabilities
and Shareholders' Equity; Interest Rate and Interest Differential
</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The following table contains condensed
average balance sheets for each of the periods reported, the tax-equivalent
interest income and expense on each category of interest-earning assets and
interest-bearing liabilities, and the average yield on such categories of
interest-earning assets and the average rates paid on such categories of
interest-bearing liabilities for each of the periods reported: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD vAlign=bottom noWrap align=left width="58%"></TD>
    <TD vAlign=bottom noWrap align=center width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="13%" colSpan=10><STRONG><FONT size=2 face="Times New Roman">2011</FONT></STRONG></TD>
    <TD vAlign=bottom noWrap align=center width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="13%" colSpan=10><STRONG><FONT size=2 face="Times New Roman">2010</FONT></STRONG></TD>
    <TD vAlign=bottom noWrap align=center width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="13%" colSpan=10><STRONG><FONT size=2 face="Times New Roman">2009</FONT></STRONG></TD></TR>
  <TR>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="58%"><EM><FONT size=2 face="Times New Roman">(In
    thousands)</FONT></EM></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="4%" colSpan=3><STRONG><FONT size=2 face="Times New Roman">Average<BR>Balance</FONT></STRONG></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="4%" colSpan=3><STRONG><FONT size=2 face="Times New Roman">Interest<BR>Income/<BR>Expense</FONT></STRONG></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="3%" colSpan=2><STRONG><FONT size=2 face="Times New Roman">Yield/<BR>Rate</FONT></STRONG></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="4%" colSpan=3><STRONG><FONT size=2 face="Times New Roman">Average<BR>Balance</FONT></STRONG></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="4%" colSpan=3><STRONG><FONT size=2 face="Times New Roman">Interest<BR>Income/<BR>Expense</FONT></STRONG></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="3%" colSpan=2><STRONG><FONT size=2 face="Times New Roman">Yield/<BR>Rate</FONT></STRONG></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="4%" colSpan=3><STRONG><FONT size=2 face="Times New Roman">Average<BR>Balance</FONT></STRONG></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="4%" colSpan=3><STRONG><FONT size=2 face="Times New Roman">Interest<BR>Income/<BR>Expense</FONT></STRONG></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=center width="3%" colSpan=2><STRONG><FONT size=2 face="Times New Roman">Yield/<BR>Rate</FONT></STRONG></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Assets</FONT></B><FONT face="Times New Roman" size=2><SUP>1</SUP></FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Earning assets</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Loans<SUP>2, 3</SUP>:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Taxable</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>695,121</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>39,504</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>5.68</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>674,026</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>39,723</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>5.89</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>610,171</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>35,872</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>5.88</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax-exempt<SUP>4</SUP></FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>863</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>18</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2.09</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,875</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>95</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5.07</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,088</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>202</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6.54</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Securities<SUP>5</SUP>:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Taxable</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>997</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>37</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3.71</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>885</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>43</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4.86</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,373</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>58</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.72</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax-exempt<SUP>4</SUP></FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>261,466</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>15,373</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>5.88</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>221,364</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>13,391</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>6.05</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>190,020</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>11,620</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>6.12</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Certificates of
      deposit</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>801</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.50</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Interest-bearing deposits in
      other<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;financial
      institutions</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>99,911</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>347</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>.35</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>35,655</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>139</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>.39</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>29,825</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>72</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>0.24</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Federal funds sold and
      other<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;short-term
      investments</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>129,124</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>339</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.26</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>126,754</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>375</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.30</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>58,474</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>98</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>0.17</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Total earning assets</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>1,188,283</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>55,622</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>4.68</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>1,060,559</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>53,766</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>5.07</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>894,951</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>47,922</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>5.35</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Non-earning assets</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash and due
      from banks</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>12,525</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>10,794</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>9,541</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Premise and
      equipment, net</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,790</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,979</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11,171</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bank owned life
      insurance</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>14,299</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>13,924</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>13,376</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Goodwill and
      other<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;intangibles</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,688</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,795</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,942</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other
      assets</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>81,819</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>63,905</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>48,145</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Allowance for
      loan losses</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(12,769</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(9,699</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(6,955</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Total assets</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>1,301,635</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>1,157,257</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>978,171</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD align=left width="100%" bgColor=#c0c0c0 colSpan=34><B><FONT face="Times New Roman" size=2>Liabilities and Shareholders&#146;
      Equity<SUP>1</SUP></FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Interest-bearing liabilities</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing
      demand<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;deposits</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>233,636</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,162</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.93</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>182,869</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,082</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.14</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>127,952</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,798</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.41</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Savings
      deposits</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>25,556</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>225</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>.88</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>28,137</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>321</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>1.14</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>25,268</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>334</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>1.32</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Time deposits
      &gt;=$100</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>52,123</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>690</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.32</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>52,510</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>814</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.55</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>43,590</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,063</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2.44</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="58%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other time
      deposits</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>97,419</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>1,297</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>1.33</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>92,942</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>1,658</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>1.78</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>76,585</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>1,729</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>2.26</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total
      interest-bearing deposits</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>408,734</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,374</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.07</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>356,458</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,875</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.37</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>273,395</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,924</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.80</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Short-term
      borrowings</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>3</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>33</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>3,759</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>23</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>0.61</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subordinated
      debentures</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,984</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>106</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5.34</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total interest
      bearing liabilities</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>408,737</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>4,374</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>1.07</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>356,491</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>4,875</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>1.37</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>279,138</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>5,053</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>1.81</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Non-interest bearing liabilities</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Demand
      deposits</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>132,603</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>113,638</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>102,177</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accounts and
      drafts payable</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>596,935</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>533,617</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>459,888</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="58%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other
      liabilities</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>11,691</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>15,763</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>19,305</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total liabilities</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,149,966</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,019,509</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>860,508</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD noWrap align=left width="58%"><FONT size=2 face="Times New Roman">Shareholders&#146;
      equity</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=right width="2%"><FONT size=2 face="Times New Roman">151,669</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="2%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="2%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=right width="2%"><FONT size=2 face="Times New Roman">137,748</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="2%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="2%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=right width="2%"><FONT size=2 face="Times New Roman">117,663</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="2%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="2%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD></TR>
  <TR>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="58%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">Total liabilities and
      shareholders&#146;<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    equity</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=right width="2%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">1,301,635</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=right width="2%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">1,157,257</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=right width="2%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">978,171</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD noWrap align=left width="58%"><FONT size=2 face="Times New Roman">Net interest
      income</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=right width="2%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"><FONT size=2 face="Times New Roman">$</FONT></TD>
    <TD vAlign=bottom noWrap align=right width="2%"><FONT size=2 face="Times New Roman">51,248</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="2%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=right width="2%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"><FONT size=2 face="Times New Roman">$</FONT></TD>
    <TD vAlign=bottom noWrap align=right width="2%"><FONT size=2 face="Times New Roman">48,891</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="2%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=right width="2%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"><FONT size=2 face="Times New Roman">$</FONT></TD>
    <TD vAlign=bottom noWrap align=right width="2%"><FONT size=2 face="Times New Roman">42,869</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD>
    <TD vAlign=bottom noWrap align=left width="2%"></TD>
    <TD vAlign=bottom noWrap align=left width="1%"></TD></TR>
  <TR>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">Net interest margin</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=right width="2%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=right width="2%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">4.31</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">%</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman"></FONT></TD>
    <TD vAlign=bottom noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=right width="2%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=right width="2%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">4.61</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">%</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=right width="2%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=right width="2%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">4.79</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">%</FONT></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD vAlign=bottom noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="58%"><FONT size=2 face="Times New Roman">Interest spread</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=right width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=right width="2%"><FONT size=2 face="Times New Roman">3.61</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"><FONT size=2 face="Times New Roman">%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"><FONT size=2 face="Times New Roman"></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=right width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=right width="2%"><FONT size=2 face="Times New Roman">3.70</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"><FONT size=2 face="Times New Roman">%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=right width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=right width="2%"><FONT size=2 face="Times New Roman">3.54</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"><FONT size=2 face="Times New Roman">%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="2%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" vAlign=bottom noWrap align=left width="1%"></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2>14</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>
<TABLE style="TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 border=0>

<TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD width="100%"></TD></TR>
<TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2><SUP>1</SUP></FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" vAlign=top width="100%"><FONT face="Times New Roman" size=2>Balances shown are daily averages.</FONT></TD></TR>

  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2><SUP>2</SUP></FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" vAlign=top width="100%"><FONT face="Times New Roman" size=2>For purposes of these computations, nonaccrual loans are
      included in the average loan amounts outstanding. Interest on nonaccrual
      loans is recorded when received as discussed further in Item 8, Note 1 of
      this report.</FONT></TD></TR>

  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2><SUP>3</SUP></FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" vAlign=top width="100%"><FONT face="Times New Roman" size=2>Interest income on loans includes net loan fees of
      $542,000, $372,000 and $409,000 for 2011, 2010 and 2009,
      respectively.</FONT></TD></TR>

  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2><SUP>4</SUP></FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" vAlign=top width="100%"><FONT face="Times New Roman" size=2>Interest income is presented on a tax-equivalent basis
      assuming a tax rate of 35% in 2011, 35% in 2010 and 34% for 2009. The tax-equivalent adjustment was approximately $5,387,000, $4,720,000 and
      $4,138,000 for 2011, 2010 and 2009, respectively.</FONT></TD></TR>

  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2><SUP>5</SUP></FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" vAlign=top width="100%"><FONT face="Times New Roman" size=2>For purposes of these computations, yields on investment
      securities are computed as interest income divided by the average
      amortized cost of the investments.</FONT></TD></TR></TABLE>
<P align=justify><B><FONT face="Times New Roman" size=2>Analysis of Net Interest Income
Changes</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The following table presents the
changes in interest income and expense between years due to changes in volume
and interest rates.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="76%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="11%" colSpan=11><B><FONT face="Times New Roman" size=2>2011 Over 2010</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="11%" colSpan=11><B><FONT face="Times New Roman" size=2>2010 Over 2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="76%"><I><FONT face="Times New Roman" size=2>(In thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="3%" colSpan=3><B><FONT face="Times New Roman" size=2>Volume</FONT></B><B><FONT face="Times New Roman" size=2><SUP>1</SUP></FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="3%" colSpan=3><B><FONT face="Times New Roman" size=2>Rate<SUP>1</SUP></FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="3%" colSpan=3><B><FONT face="Times New Roman" size=2>Total</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="3%" colSpan=3><B><FONT face="Times New Roman" size=2>Volume<SUP>1</SUP></FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="3%" colSpan=3><B><FONT face="Times New Roman" size=2>Rate<SUP>1</SUP></FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="3%" colSpan=3><B><FONT face="Times New Roman" size=2>Total</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="76%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Increase (decrease) in
      interest income:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="76%"><FONT face="Times New Roman" size=2>Loans<SUP>2,3</SUP>:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="76%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Taxable</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,222</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(1,441</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(219</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,763</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>88</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,851</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="76%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax-exempt<SUP>4</SUP></FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(37</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(40</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(77</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(68</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(39</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(107</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="76%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Securities:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="76%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Taxable</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>5</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(11</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(6</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(65</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>50</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(15</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="76%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax-exempt<SUP>4</SUP></FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,367</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(385</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,982</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,897</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(126</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,771</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="76%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Certificates of
      deposit</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>2</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>2</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>4</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="76%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Interest-bearing deposits
      in other<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;financial
      institutions</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>224</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(16</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>208</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>16</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>51</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>67</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="76%"><FONT face="Times New Roman" size=2>Federal funds sold and other
      short-term<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;investments</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>7</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(43</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(36</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>167</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>110</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>277</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="76%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total interest
      income</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,790</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(1,934</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,856</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,710</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>134</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,844</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="76%"><FONT face="Times New Roman" size=2>Interest expense on:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="76%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest-bearing
      demand deposits</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>513</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(433</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>80</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>670</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(386</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>284</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="76%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Savings
      deposits</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(28</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(68</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(96</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>36</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(49</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(13</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="76%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Time deposits
      &gt;=$100</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(6</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(118</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(124</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>189</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(438</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(249</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="76%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other time
      deposits</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>77</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(438</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(361</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>330</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(401</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(71</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="76%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Short-term
      borrowings</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(11</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(12</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(23</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="76%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Subordinated
      debentures</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(53</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(53</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(106</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="76%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total interest
      expense</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>556</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(1,057</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(501</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,161</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(1,339</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(178</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="76%"><FONT face="Times New Roman" size=2>Net
      interest income</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>3,234</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(877</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>2,357</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>4,549</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,473</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>6,022</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD></TR></TABLE><BR>
<TABLE style="TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 border=0>

<TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2><SUP>1</SUP></FONT></TD>
    <TD vAlign=top noWrap><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" vAlign=top width="100%"><FONT face="Times New Roman" size=2>The change in interest due to the combined rate/volume
      variance has been allocated in proportion to the absolute dollar amounts
      of the change in each.</FONT></TD></TR>

  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2><SUP>2</SUP></FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" vAlign=top width="100%"><FONT face="Times New Roman" size=2>Average balances include nonaccrual loans.</FONT></TD></TR>

  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2><SUP>3</SUP></FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" vAlign=top width="100%"><FONT face="Times New Roman" size=2>Interest income includes net loan fees.</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2><SUP>4</SUP></FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" vAlign=top width="100%"><FONT face="Times New Roman" size=2>Interest income is presented on a tax-equivalent basis
      assuming a tax rate of 35% in 2011, 35% in 2010 and 34% in
  2009.</FONT></TD></TR></TABLE><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>Loan Portfolio</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Interest earned on the loan portfolio
is a primary source of income for the Company. The loan portfolio was
$671,565,000 and represented 51% of the Company's total assets as of December
31, 2011 and generated $39,515,000 in revenue during the year then ended. The
Company had no sub-prime mortgage loans or residential development loans in its
portfolio for any of the years presented. The following tables show the
composition of the loan portfolio at the end of the periods indicated and
remaining maturities for loans as of December 31, 2011.</FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

<TR vAlign=bottom>
    <TD noWrap align=left width="85%"><P align=justify><FONT face="Times New Roman" size=2><B>Loans by Type</B></FONT></P></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD align="center" noWrap width="14%" colSpan=14></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="14%" colSpan=14><B><FONT face="Times New Roman" size=2>December 31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="85%"><I><FONT face="Times New Roman" size=2>(In thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2008</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2007</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Commercial and
      industrial</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>136,916</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>135,061</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>93,371</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>118,044</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>100,827</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%"><FONT face="Times New Roman" size=2>Real estate (Commercial and
    church):</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>488,574</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>517,593</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>471,773</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>416,151</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>365,056</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Construction</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>45,564</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>54,752</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>74,407</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>56,221</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>31,082</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="85%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Other</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>511</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,227</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,406</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,560</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,490</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="85%"><FONT face="Times New Roman" size=2>Total loans</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>671,565</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>708,633</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>641,957</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>591,976</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>498,455</FONT></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2>15</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2><STRONG>Loans by
Maturity</STRONG></FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><FONT face="Times New Roman" size=2>(At December 31, 2011)</FONT></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%" colSpan=5><B><FONT face="Times New Roman" size=2>One Year</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%" colSpan=5><B><FONT face="Times New Roman" size=2>Over 1 Year</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%" colSpan=5><B><FONT face="Times New Roman" size=2>Over</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="5%" colSpan=5><B><FONT face="Times New Roman" size=2>Or Less</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="5%" colSpan=5><B><FONT face="Times New Roman" size=2>Through 5 Years</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="5%" colSpan=5><B><FONT face="Times New Roman" size=2>5 Years</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Fixed</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Floating</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Fixed</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Floating</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Fixed</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Floating</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="79%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Rate</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Rate<SUP>1</SUP></FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Rate</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Rate<SUP>1</SUP></FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Rate</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Rate<SUP>1</SUP></FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Total</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Commercial and industrial</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,762</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>58,494</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>22,492</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>24,689</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,363</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>27,116</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>136,916</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>53,326</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>26,713</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>312,066</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>50,589</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>34,841</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>11,730</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>489,265</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Construction</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>10,599</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>34,274</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>44,873</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="79%"><FONT face="Times New Roman" size=2>Other</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>506</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>5</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>511</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total loans</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>65,687</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>119,987</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>334,563</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>75,278</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>37,204</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>38,846</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>671,565</FONT></TD></TR></TABLE>
<TABLE style="TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top width="100%"></TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2><SUP>1</SUP></FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" vAlign=top width="100%"><FONT face="Times New Roman" size=2>Loans have been classified as having "floating" interest
      rates if the rate specified in the loan varies with the prime commercial
      rate of interest. Note: Due to the historically low interest rates, the
      Company instituted a 4% floor for its prime lending
  rate.</FONT></TD></TR></TABLE>
<P align=justify><FONT face="Times New Roman" size=2>The Company has no concentrations of
loans exceeding 10% of total loans, which are not otherwise disclosed in the
loan portfolio composition table and as are discussed in Item 8, Note 4 of this
report. As can be seen in the loan composition table above and as are discussed
in Item 8, Note 4 the Company's primary market niche for banking services is
privately held businesses and churches and church-related ministries.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Loans to commercial entities are
generally secured by the business assets of the borrower, including accounts
receivable, inventory, machinery and equipment, and the real estate from which
the borrower operates. Operating lines of credit to these companies generally
are secured by accounts receivable and inventory, with specific percentages of
each determined on a customer-by-customer basis based on various factors
including the type of business. Intermediate term credit for machinery and
equipment is generally provided at some percentage of the value of the equipment
purchased, depending on the type of machinery or equipment purchased by the
entity. Loans secured exclusively by real estate to businesses and churches are
generally made with a maximum 80% loan to value ratio, depending upon the
Company's estimate of the resale value and ability of the property to generate
cash. The Company's loan policy requires an independent appraisal for all loans
over $250,000</FONT><B><FONT face="Times New Roman" size=2> </FONT></B><FONT face="Times New Roman" size=2>secured by real estate. Company management monitors the local economy in
an attempt to determine whether it has had a significant deteriorating effect on
such real estate loans. When problems are identified, appraised values are
updated on a continual basis, either internally or through an updated external
appraisal. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Loan portfolio changes from December
31, 2010 to December 31, 2011: </FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>Total loans
decreased $37,068,000, or 5%, to $671,565,000. This decrease was the result of
intense competition in the marketplace as other lending institutions expanded
their loan portfolios. Additional details regarding the types and maturities of
loans in the loan portfolio are contained in the tables above and in Item 8,
Note 4. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Loan portfolio changes from December
31, 2009 to December 31, 2010: </FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>Total loans
increased $66,676,000, or 10%, to $708,633,000. This increase was the result of
successful marketing efforts by the Company&#146;s lending staff, particularly in the
commercial and industrial loan sector. The growth in real estate mortgage loans
was primarily due to increased activity in the church portfolio. Additional
details regarding the types and maturities of loans in the loan portfolio are
contained in the tables above and in Item 8, Note 4. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Provision and Allowance for Loan
Losses </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company recorded a provision for
loan losses of $2,150,000 in 2011, $4,100,000 in 2010 and $2,050,000 in 2009.
The amount of the provisions for loan losses was derived from the Company&#146;s
quarterly analysis of the allowance for loan losses. The amount of the provision
will fluctuate as determined by these quarterly analyses. The decrease in
provision for loan losses in 2011 was due to the decrease in loan balances
described above. The Company had net loan charge-offs of $1,087,000, $493,000
and $217,000 in 2011, 2010 and 2009, respectively. The allowance for loan losses
was $12,954,000 at December 31, 2011 compared to $11,891,000 at December 31,
2010 and $8,284,000 at December 31, 2009. The year-end 2011 allowance
represented 1.93% of outstanding loans, compared to 1.68% of outstanding loans
at year-end 2010 and 1.29% at year-end 2009. From December 31, 2010 to December
31, 2011, the level of nonperforming loans increased $1,173,000 from $565,000 to
$1,738,000, which represents .26% of outstanding loans. Nonperforming loans are
more fully explained in the section entitled &#147;Nonperforming Assets.&#148; </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The allowance for loan losses has been
established and is maintained to absorb probable losses in the loan portfolio.
An ongoing assessment of risk of loss is performed to determine if the current
balance of the allowance is adequate to cover probable losses in the portfolio.
Charges or credits are made to expense to cover any deficiency or reduce any
excess, as required. The current methodology employed to determine the
appropriate allowance consists of two components, specific and general. The
Company develops specific allowances on commercial, commercial real estate, and
construction loans based on individual review of these loans and an estimate of
the borrower&#146;s ability to repay the loan given the availability of collateral,
other sources of cash flow and collection options available. The general
component relates to all other loans, which are evaluated based on loan grade.
The loan grade assigned to each loan is typically evaluated on an annual basis,
unless circumstances require interim evaluation. The Company assigns an
allowance amount consistent with each loan's rating category. The allowance
amount is based on derived loss experience over prescribed periods. In addition
to the amounts derived from the loan grades, a portion is added to the general
allowance to take into account other factors including national and local
economic conditions, downturns in specific industries including loss in
collateral value, trends in credit quality at the Company and the banking
industry, and trends in risk rating changes. As part of their examination
process, federal and state agencies review the Company's methodology for
maintaining the allowance for loan losses and the related balance. These
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.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>16</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2>The following schedule summarizes
activity in the allowance for loan losses and the allocation of the allowance to
the Company&#146;s loan categories.</FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Summary of Loan Loss Experience
</FONT></B></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="19%" colSpan=19><B><FONT face="Times New Roman" size=2>December
      31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="80%"><I><FONT face="Times New Roman" size=2>(In thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" colSpan=3><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" colSpan=3><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" colSpan=3><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" colSpan=3><B><FONT face="Times New Roman" size=2>2008</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" colSpan=3><B><FONT face="Times New Roman" size=2>2007</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Allowance at beginning of year</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11,891</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>8,284</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6,451</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6,280</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6,592</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>Loans
      charged-off:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and
      industrial</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,118</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>554</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>109</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,120</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>337</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate (Commercial
      and church):</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>28</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>291</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,038</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Construction</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>53</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="80%"><FONT face="Times New Roman" size=2>Total loans charged-off</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,146</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>554</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>400</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>2,173</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,375</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Recoveries of loans previously charged-off:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and
      industrial</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>58</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>60</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>180</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>136</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>159</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate (Commercial
      and church):</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>3</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>4</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Construction</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="80%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>8</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total recoveries of loans previously
      charged-off</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>59</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>61</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>183</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>144</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>163</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>Net loans
      charged-off</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,087</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>493</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>217</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>2,029</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,212</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Provision charged to expense</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,150</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,100</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,050</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,200</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>900</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="80%"><FONT face="Times New Roman" size=2>Allowance at end of year</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>12,954</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>11,891</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>8,284</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>6,451</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>6,280</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Loans
      outstanding:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Average</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>695,984</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>675,901</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>613,259</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>552,333</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>515,123</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;December 31</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>671,565</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>708,633</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>641,957</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>591,976</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>498,455</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>Ratio of allowance
      for loan losses to
      loans<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;outstanding:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Average</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.86</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.76</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.35</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.17</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.22</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;December 31</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1.93</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1.68</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1.29</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1.09</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1.26</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Ratio of net charge-offs to average
      loans<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;outstanding</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.16</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.07</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.04</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.37</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.24</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>Allocation of
      allowance for loan losses<SUP>1</SUP>:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and
      industrial</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,594</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,732</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,511</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,521</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,380</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate (Commercial
      and church):</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,573</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>8,491</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,953</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,343</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,564</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Construction</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>783</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>656</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>809</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>569</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>318</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>18</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>18</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="80%"><FONT face="Times New Roman" size=2>Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>12,954</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>11,891</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>8,284</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>6,451</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>6,280</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Percentage of categories to total loans:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial and
      industrial</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>20.4</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>19.2</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>14.9</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>20.5</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>21.1</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Real estate (Commercial
      and church):</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>72.7</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>72.9</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>73.1</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>69.7</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>72.4</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Construction</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6.8</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7.7</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11.6</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9.5</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6.2</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="80%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>0.1</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>0.2</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>0.4</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>0.3</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>0.3</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>100.0</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>100.0</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>100.0</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>100.0</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>100.0</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR></TABLE>
<TABLE style="TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top width="100%"></TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2><SUP>1</SUP></FONT></TD>
    <TD vAlign=top noWrap><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" vAlign=top width="100%"><FONT face="Times New Roman" size=2>Although specific allocations exist, the entire
      allowance is available to absorb losses in any particular loan
      category.</FONT></TD></TR></TABLE>
<P align=justify><B><FONT face="Times New Roman" size=2>Nonperforming Assets </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Nonperforming loans are defined as
loans on non-accrual status and loans 90 days or more past due but still
accruing. Nonperforming assets include nonperforming loans plus foreclosed real
estate. Troubled debt restructurings are not included in nonperforming loans
unless they are on non-accrual status or past due 90 days or more. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>It is the policy of the Company to
continually monitor its loan portfolio and to discontinue the accrual of
interest on any loan on which payment of principal or interest, in a timely
manner in the normal course of business, is doubtful. Subsequent payments
received on such loans are applied to principal if there is any reasonable doubt
as to the collectability of such principal; otherwise, these receipts are
recorded as interest income. Interest on nonaccrual loans, which would have been
recorded under the original terms of the loans, was approximately $107,000 for
the year ended December 31, 2011. Of this amount, approximately $102,000 was
actually recorded as interest income on such loans.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>17</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2>Total nonaccrual loans at December 31,
2011 consists of five loans totaling $1,709,000 that relate to
businesses/churches that have weak financial positions and/or are in
liquidation. Allocations of the allowance for loan losses have been established
for the estimated loss exposure.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Foreclosed assets were $1,689,000 at
December 31, 2011. The foreclosed assets relate to the foreclosure of two loans
which were secured by commercial real estate buildings in St. Louis County and
St. Charles County, Missouri. These buildings are currently listed for sale and
have been recorded at their estimated fair value less costs to sell. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company does not have any foreign
loans. The Company's loan portfolio does not include a significant amount of
single family real estate mortgages, as the Company does not market its services
to retail customers. Also, the Company had no sub-prime mortgage loans or
residential development loans in its portfolio in any of the years presented.
</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company does not have any other
interest-earning assets which would have been included in nonaccrual, past due
or restructured loans if such assets were loans. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Summary of Nonperforming
Assets</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="85%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="14%" colSpan=14><B><FONT face="Times New Roman" size=2>December 31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="85%"><I><FONT face="Times New Roman" size=2>(In thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2008</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2007</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Commercial and
      industrial:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nonaccrual</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>56</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>46</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT size=2 face="Times New Roman">$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>278</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,277</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Contractually
      past due 90 days or more and
      still<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;accruing</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>41</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>496</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%"><FONT face="Times New Roman" size=2>Real estate &#150; mortgage:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nonaccrual</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,653</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>519</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,608</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>900</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>708</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="85%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Contractually
      past due 90 days or more and
      still<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;accruing</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>29</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total nonperforming
      loans</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,738</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>565</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,608</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,219</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,481</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="85%"><FONT face="Times New Roman" size=2>Total foreclosed assets</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,689</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,910</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,910</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>2,177</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,388</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="85%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total nonperforming assets</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,427</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,475</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,518</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,396</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,869</FONT></TD></TR></TABLE><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>Operating Expenses</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Operating expenses in 2011 compared to
2010 include the following significant pre-tax components: </FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>Salaries and
employee benefits expense increased $5,205,000, or 10%, to $56,573,000. An
increase in the number of employees primarily drove this increase. Occupancy
expense decreased $167,000, or 7%, to $2,318,000 as a result of decreased rental
square footage. Equipment expense decreased $36,000, or 1%, to $3,525,000
primarily due to lower depreciation expense. Amortization of intangibles
remained the same in 2011 as 2010, at $107,000. Other operating expense
increased $1,743,000, or 16%, to $12,506,000 primarily due to an increase in
legal fees. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Operating expenses in 2010 compared to
2009 include the following significant pre-tax components: </FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>Salaries and
employee benefits expense increased $754,000, or 1%, to $51,368,000. This is
mainly attributable to higher incentive compensation related to higher pre-tax
income. Occupancy expense increased $89,000, or 4%, to $2,485,000 as a result of
additional maintenance and repairs expense. Equipment expense increased
$213,000, or 6%, to $3,561,000 primarily due to increased software license and
maintenance expenses. Amortization of intangibles decreased $115,000, or 52%, to
$107,000 because the software from the 2004 PROFITLAB, Inc. acquisition was
fully amortized during the third quarter of 2009. Other operating expense
increased $958,000, or 10%, to $10,763,000 primarily due to an increase in
professional fees. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Income Tax Expense </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Income tax expense in 2011 totaled
$8,497,000 compared to $7,623,000 in 2010 and $5,405,000 in 2009. When measured
as a percent of income, the Company&#146;s effective tax rate was 27% in 2011, 27% in
2010 and 25% in 2009. The effective tax rate varies from year-to-year primarily
due to changes in the Company&#146;s pre-tax income and the amount of investment in
tax-exempt municipal bonds.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>18</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>

<P align=justify><B><FONT face="Times New Roman" size=2>Investment Portfolio </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Investment portfolio changes from
December 31, 2010 to December 31, 2011: </FONT></P>
<P style="PADDING-LEFT: 15pt" align=justify><FONT face="Times New Roman" size=2>State and
political subdivision securities increased $42,793,000, or 16%, to $307,362,000.
The investment portfolio provides the Company with a significant source of
earnings, secondary source of liquidity, and mechanisms to manage the effects of
changes in loan demand and interest rates. Therefore, the size, asset allocation
and maturity distribution of the investment portfolio will vary over time
depending on management&#146;s assessment of current and future interest rates,
changes in loan demand, changes in the Company&#146;s sources of funds and the
economic outlook. During this period, the size of the investment portfolio
increased as the Company purchased state and political subdivision securities.
These securities all had A or better credit ratings and maturities approaching
fifteen years. With the additional liquidity provided by the increase in
deposits and accounts and drafts payable, the Company made these purchases to
continue to reduce the level of short-term rate sensitive assets. All purchases
were made in accordance with the Company&#146;s investment policy. As of December 31,
2011, the Company had no mortgage-backed securities in its portfolio.
</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>There was no single issuer of
securities in the investment portfolio at December 31, 2011 for which the
aggregate amortized cost exceeded 10% of total shareholders' equity. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Investments by Type </FONT></B></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="26%" colSpan=8><B><FONT face="Times New Roman" size=2>December 31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="73%"><I><FONT face="Times New Roman" size=2>(In thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="8%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="8%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="8%" colSpan=2><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>State and political
      subdivisions</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>307,362</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>264,569</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>224,597</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="73%"><FONT face="Times New Roman" size=2>Certificates of deposit</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="7%"><FONT face="Times New Roman" size=2>3,250</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="7%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="7%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total
      investments</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>310,612</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>264,569</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>224,597</FONT></TD></TR></TABLE><FONT size=2 face="Times New Roman"><STRONG>&nbsp;<BR>Investment Securities by Maturity<BR></STRONG>(At
December 31, 2011)<BR>&nbsp;<BR></FONT>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="71%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Within
      1</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Over 1 to
      5</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Over 5
      to</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Over</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="3%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="71%"><I><FONT face="Times New Roman" size=2>(In thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Year</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Years</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>10 Years</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>10 Years</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Yield</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="71%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>State and political
      subdivisions</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>13,262</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>44,131</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>124,680</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$<FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>125,289</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5.49</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="71%"><FONT face="Times New Roman" size=2>Certificates of deposit</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>3,250</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.47</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="71%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total
      investments</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$<FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>16,512</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$<FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>44,131</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$<FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
</FONT></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>124,680</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>125,289</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5.44</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="71%"><FONT face="Times New Roman" size=2>Weighted average yield<SUP>1</SUP></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5.67</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>6.01</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5.46</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5.32</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2><FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </FONT>5.44</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2><SUP>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD vAlign=top width="1%"><SUP><FONT size=2 face="Times New Roman">1 </FONT></SUP></TD>
    <TD vAlign=top width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" vAlign=top width="98%"><FONT size=2 face="Times New Roman">Weighted average yield is presented on a tax-equivalent basis
      assuming a tax rate of 35%.</FONT></TD></TR></TABLE></SUP></FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Deposits and Accounts and Drafts
Payable </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Noninterest-bearing demand deposits
increased $18,859,000, or 17%, from December 31, 2010 to $131,956,000 at
December 31, 2011. The average balances of these deposits increased $18,965,000,
or 17%, from 2010 to $132,603,000 in 2011. These balances are primarily
maintained by commercial customers and churches and can fluctuate on a daily
basis.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Interest-bearing deposits increased
$10,919,000, or 3%, from December 31, 2010 to $416,412,000 at December 31, 2011.
The average balances of these deposits increased to $408,734,000 in 2011 from
$356,458,000 in 2010. This increase came from new and existing customers who
transferred deposits from other institutions. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Accounts and drafts payable generated
by the Company in its payment processing operations increased $79,094,000, or
15%, from December 31, 2010 to $595,201,000 at December 31, 2011. The average
balance of these funds increased $63,318,000, or 12%, from 2010 to $596,935,000
in 2011. The increase relates to the increase in transportation invoice dollars
processed. Due to the Company&#146;s payment processing cycle, average balances are
much more indicative of the underlying activity than period-end balances since
point-in-time comparisons can be misleading if the comparison dates fall on
different days of the week.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The composition of average deposits and
the average rates paid on those deposits is represented in the table entitled
&#147;Distribution of Assets, Liabilities and Shareholders' Equity; Interest Rate and
Interest Differential&#148; which is included earlier in this discussion. The Company
does not have any significant deposits from foreign depositors. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The Dodd-Frank Act, which was signed
into law on July 21, 2010, permanently increased the FDIC insurance limit to
$250,000 (retroactive to January 1, 2008), repealed the prohibition against
paying interest on demand deposits (effective July, 21, 2011), and extended the
Transaction Account Guaranty Program (i.e., unlimited FDIC insurance coverage
for certain non-interest bearing demand deposit accounts) to December 31, 2012.
</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>19 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>Maturities of Certificates of
Deposits of $100,000 or More </FONT></B></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="60%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="91%"><I><FONT face="Times New Roman" size=2>(In thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="8%" colSpan=2><B><FONT face="Times New Roman" size=2>December 31, 2011</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Three months or
    less</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$<FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>55,519</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%"><FONT face="Times New Roman" size=2>Three to six months</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="7%"><FONT face="Times New Roman" size=2>46,644</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Six to twelve
    months</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6,714</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%"><FONT face="Times New Roman" size=2>Over twelve months</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="7%"><FONT face="Times New Roman" size=2>9,037</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="7%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>117,914</FONT></TD></TR></TABLE><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>Liquidity </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The discipline of liquidity management
as practiced by the Company seeks to ensure that funds are available to fulfill
all payment obligations relating to invoices processed as they become due, meet
depositor withdrawal requests and borrower credit demands while at the same time
maximizing profitability. This is accomplished by balancing changes in demand
for funds with changes in supply of funds. Primary liquidity to meet demand is
provided by short-term liquid assets that can be converted to cash, maturing
securities and the ability to obtain funds from external sources. The Company's
Asset/Liability Committee (&#147;ALCO&#148;) has direct oversight responsibility for the
Company's liquidity position and profile. Management considers both on-balance
sheet and off-balance sheet items in its evaluation of liquidity. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The balances of liquid assets consist
of cash and cash equivalents, which include cash and due from banks,
interest-bearing deposits in other financial institutions, federal funds sold,
and money market funds, which totaled $235,962,000 at December 31, 2011, an
increase of $97,033,000, or 70%, from December 31, 2010. At December 31, 2011
these assets represented 18% of total assets. The Company increased liquid
assets during 2011 as a result of the increase in deposits and accounts and
drafts payable. Cash and cash equivalents are the Company&#146;s and its
subsidiaries&#146; primary source of liquidity to meet future expected and unexpected
loan demand, depositor withdrawals or reductions in accounts and drafts payable.
</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Secondary sources of liquidity include
the investment portfolio and borrowing lines. Total investment in debt
securities available-for-sale at fair value was $310,612,000 at December 31,
2011, an increase of $46,043,000 or 17% from December 31, 2010. These assets
represented 24% of total assets at December 31, 2011 and were primarily state
and political subdivision securities. Of the total portfolio, 5% mature in one
year or less, 14% mature after one year through five years and 81% mature after
five years. The Company sold $5,887,000 in securities available-for-sale during
2011. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The deposits of the Company's banking
subsidiary have historically been stable, consisting of a sizable volume of core
deposits related to customers that utilize many other commercial products of the
Bank. The accounts and drafts payable generated by the Company have also
historically been a stable source of funds. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Net cash flows provided by operating
activities for the years 2011, 2010 and 2009 were $25,642,000, $23,776,000, and
$19,079,000 respectively. Net income plus depreciation and amortization accounts
for most of the operating cash provided. Net cash flows from investing and
financing activities fluctuate greatly as the Company actively manages its
investment and loan portfolios and customer activity influences changes in
deposit and accounts and drafts payable balances. Further analysis of the
changes in these account balances is discussed earlier in this report. Due to
the daily fluctuations in these account balances, management believes that the
analysis of changes in average balances, also discussed earlier in this report,
can be more indicative of underlying activity than the period-end balances used
in the statements of cash flows. Management anticipates that cash and cash
equivalents, maturing investments, cash from operations, and borrowing lines
will continue to be sufficient to fund the Company&#146;s operations and capital
expenditures in 2012. The Company anticipates the annual capital expenditures
for 2012 will be consistent with the last few years and, accordingly, should
range from $1 million to $3 million. As in the past, 2012 capital expenditures
are expected to consist primarily of equipment and software related to its
payment and information processing services business. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>There are several trends and
uncertainties that may impact the Company&#146;s ability to generate revenues and
income at the levels that it has in the past. In addition, these trends and
uncertainties may impact available liquidity. Those that could significantly
impact the Company include the general levels of interest rates, business
activity, and energy costs as well as new business opportunities available to
the Company.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>As a financial institution, a
significant source of the Company&#146;s earnings is generated from net interest
income. Therefore, the prevailing interest rate environment is important to the
Company&#146;s performance. A major portion of the Company&#146;s funding sources are the
non-interest bearing accounts and drafts payable generated from its payment and
information <FONT face="Times New Roman" size=2>processing services. Accordingly, higher
levels of interest rates will generally allow the Company to earn more net
interest income. Conversely, a lower interest rate environment will generally
tend to depress net interest income. The Company actively manages its balance
sheet in an effort to maximize net interest income as the interest rate
environment changes. This balance sheet management impacts the mix of earning
assets maintained by the Company at any point in time. For example, in a low
interest rate environment, short-term relatively lower rate liquid investments
may be reduced in favor of longer term relatively higher yielding investments
and loans. If the primary source of liquidity is reduced in a low interest rate
environment, a greater reliance would be placed on secondary sources of
liquidity including borrowing lines, the ability of the Bank to generate
deposits, and the investment portfolio to ensure overall liquidity remains at
acceptable levels.</FONT></FONT></P>
<P align=center><FONT face="Times New Roman" size=2>20 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2>The overall level of economic activity
can have a significant impact on the Company&#146;s ability to generate revenues and
income, as the volume and size of customer invoices processed may increase or
decrease. Higher levels of economic activity increase both fee income (as more
invoices are processed) and balances of accounts and drafts payable generated
(as more invoices are processed) from the Company&#146;s transportation
customers.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The relative level of energy costs can
impact the Company&#146;s earnings and available liquidity. Higher levels of energy
costs will tend to increase transportation and utility invoice amounts resulting
in a corresponding increase in accounts and drafts payable. Increases in
accounts and drafts payable generate higher interest income and improve
liquidity. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>New business opportunities are an
important component of the Company&#146;s strategy to grow earnings and improve
performance. Generating new customers allows the Company to leverage existing
systems and facilities and grow revenues faster than expenses. During 2011, new
business was added in both the Information Services and Banking Services
segments. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Capital Resources </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>One of management&#146;s primary objectives
is to maintain a strong capital base to warrant the confidence of customers,
shareholders, and bank regulatory agencies. A strong capital base is needed to
take advantage of profitable growth opportunities that arise and to provide
assurance to depositors and creditors. The Company and its banking subsidiary
continue to exceed all regulatory capital requirements, as evidenced by the
capital ratios at December 31, 2011 as shown in Item 8, Note 2 of this report.
</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>In 2011, cash dividends paid were $.61
per share for a total of $6,279,000, an increase of $831,000, or 15%, compared
to $.53 per share for a total of $5,448,000 in 2010. The increase is
attributable primarily to the per share amount paid and the 10% stock dividend
paid by the Company in December 2011.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Shareholders' equity was $160,548,000,
or 12%, of total assets, at December 31, 2011, an increase of $18,454,000 over
the balance at December 31, 2010. This increase resulted from net income of
$23,009,000, $1,256,000 related to stock bonuses and an increase in other
comprehensive income of $7,240,000 offset by cash dividends paid of $6,279,000,
the pension adjustment per FASB ASC 715 of $6,713,000, $27,000 from the 10%
stock dividend paid by the Company and $32,000 in foreign currency translation.
</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Dividends from the Bank are a source of
funds for payment of dividends by the Company to its shareholders. The only
restrictions on dividends are those dictated by regulatory capital requirements
and prudent and sound banking principles. As of 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. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>On October 17, 2011, the Board of
Directors re-authorized the repurchase of up to 330,000 shares of the Company&#146;s
common stock, pursuant to a treasury stock buyback program maintained by the
Company. Under the program, the Company repurchased 12,000 shares (not restated
for 10% stock dividend) for an aggregate purchase price of $467,000 in 2010.
There were no repurchases in 2011. As of December 31, 2011, 330,000 shares
remained available for repurchase under the program. A portion of the
repurchased shares may be used for the Company's employee benefit plans, and the
balance will be available for other general corporate purposes. The stock
repurchase authorization does not have an expiration date and the pace of
repurchase activity will depend on factors such as levels of cash generation
from operations, cash requirements for investments, repayment of debt, current
stock price, and other factors. The Company may repurchase shares from time to
time on the open market or in private transactions, including structured
transactions. The stock repurchase program may be modified or discontinued at
any time. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Commitments, Contractual Obligations
and Off-Balance Sheet Arrangements </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>In the normal course of business, the
Company is party to activities that involve credit, market and operational risk
that are not reflected in whole or in part in the Company&#146;s consolidated
financial statements. Such activities include traditional off-balance sheet
credit-related financial instruments and commitments under operating and capital
leases. These financial instruments include commitments to extend credit,
commercial letters of credit and standby letters of credit. The Company&#146;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 <FONT face="Times New Roman" size=2>amounts of those instruments. At December
31, 2011, no amounts have been accrued for any estimated losses for these
instruments.</FONT></FONT></P>
<P align=center><FONT face="Times New Roman" size=2>21 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2>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 or its subsidiaries 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. At December 31, 2011, the
balance of loan commitments, standby and commercial letters of credit were
$10,485,000, $22,302,000 and $4,518,000, respectively. Since some of the
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&#146;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&#146;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 or
its subsidiaries may obtain and liquidate the collateral to recover amounts paid
under its guarantees on these financial instruments. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The following table summarizes
contractual cash obligations of the Company related to operating lease
commitments and time deposits at December 31, 2011: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="95%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="64%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="34%" colSpan=14><B><FONT face="Times New Roman" size=2>Amount of Commitment Expiration
      per Period</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="6%" colSpan=2><B><FONT face="Times New Roman" size=2>Less than
      1</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="6%" colSpan=2><B><FONT face="Times New Roman" size=2>1-3</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;</TD>
    <TD noWrap style="text-align: center" width="6%" colSpan=2><B><FONT face="Times New Roman" size=2>3-5</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="6%" colSpan=2><B><FONT face="Times New Roman" size=2>Over
      5</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="64%"><I><FONT face="Times New Roman" size=2>(In thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="6%" colSpan=2><B><FONT face="Times New Roman" size=2>Total</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="6%" colSpan=2><B><FONT face="Times New Roman" size=2>Year</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="6%" colSpan=2><B><FONT face="Times New Roman" size=2>Years</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="6%" colSpan=2><B><FONT face="Times New Roman" size=2>Years</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="6%" colSpan=2><B><FONT face="Times New Roman" size=2>Years</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="64%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Operating lease
      commitments</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,664</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>615</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>807</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>242</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="64%"><FONT face="Times New Roman" size=2>Time deposits</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="5%"><FONT face="Times New Roman" size=2>131,081</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="5%"><FONT face="Times New Roman" size=2>119,394</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="5%"><FONT face="Times New Roman" size=2>9,097</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="5%"><FONT face="Times New Roman" size=2>2,590</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="5%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="64%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$<FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp; </FONT></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>132,745</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$<FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp; </FONT></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>120,009</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$<FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp; </FONT></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,904</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$<FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp; </FONT></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,832</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$<FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp; </FONT></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>During 2011, the Company contributed
$9,000,000 to its noncontributory defined benefit pension plan. The contribution
had no significant effect on the Company&#146;s overall liquidity. In determining
pension expense, the Company makes several assumptions, including the discount
rate and long-term rate of return on assets. These assumptions are determined at
the beginning of the plan year based on interest rate levels and financial
market performance. For 2011 these assumptions were as follows: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="60%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="95%"><B><FONT face="Times New Roman" size=2>Assumption</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap align=center width="3%" colSpan=2><B><FONT face="Times New Roman" size=2>Rate</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="95%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Weighted average discount rate</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5.75</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="95%"><FONT face="Times New Roman" size=2>Rate
      of increase in compensation levels</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>4.00</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="95%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Expected long-term
      rate of return on assets</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7.25</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR></TABLE>
<BR>
<P align=justify><B><FONT face="Times New Roman" size=2>ITEM 7A. </FONT></B><B><U><FONT face="Times New Roman" size=2>QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET
RISK</FONT></U></B><FONT face="Times New Roman" size=2> </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Interest Rate Sensitivity
</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company faces market risk to the
extent that its net interest income and its fair market value of equity are
affected by changes in market interest rates. The asset/liability management
discipline as applied by the Company seeks to limit the volatility, to the
extent possible, of both net interest income and the fair market value of equity
that can result from changes in market interest rates. This is accomplished by
limiting the maturities of fixed rate investments, loans, and deposits; matching
fixed rate assets and liabilities to the extent possible; and optimizing the mix
of fees and net interest income. However, as discussed below, the Company's
asset/liability position often differs significantly from most other financial
holding companies with significant positive cumulative "gaps" shown for each
time horizon presented. This asset sensitive position is caused primarily by the
operations of the Company, which generate large balances of accounts and drafts
payable. These balances, which are noninterest bearing, contribute to the
Company&#146;s historical high net interest margin but cause the Company to become
susceptible to changes in interest rates, with a decreasing net interest margin
and fair market value of equity in periods of declining interest rates and an
increasing net interest margin and fair market value of equity in periods of
rising interest rates. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company&#146;s ALCO measures the
Company's interest rate risk sensitivity on a quarterly basis to monitor and
manage the variability of earnings and fair market value of equity in various
interest rate environments. The ALCO evaluates the Company's risk position to
determine whether the level of exposure is significant enough to hedge a
potential decline in earnings and value or whether the Company can safely
increase risk to enhance returns. The ALCO uses gap reports, twelvemonth net
interest income simulations, and fair market value of equity analyses as its
main analytical tools to provide management with insight into the Company's
exposure to changing interest rates. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Management uses a gap report to review
any significant mismatch between the re-pricing points of the Company&#146;s rate
sensitive assets and liabilities in certain time horizons. A negative gap
indicates that more liabilities re-price in that particular <FONT face="Times New Roman" size=2>time frame and, if rates rise, these liabilities will re-price faster
than the assets. A positive gap would indicate the opposite. Gap reports can be
misleading in that they capture only the re-pricing timing within the balance
sheet, and fail to capture other significant risks such as basis risk and
embedded options risk. Basis risk involves the potential for the spread
relationship between rates to change under different rate environments and
embedded options risk relates to the potential for the alteration of the level
and/or timing of cash flows given changes in rates.</FONT></FONT></P>
<P align=center><FONT face="Times New Roman" size=2>22 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2>Another measurement tool used by
management is net interest income simulation, which forecasts net interest
income during the coming twelve months under different interest rate scenarios
in order to quantify potential changes in short term accounting income.
Management has set policy limits specifying acceptable levels of interest rate
risk given multiple simulated rate movements. These simulations are more
informative than gap reports because they are able to capture more of the
dynamics within the balance sheet, such as basis risk and embedded options risk.
A table containing simulation results as of December 31, 2011, from an immediate
and sustained parallel change in interest rates is shown below. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>While net interest income simulations
do an adequate job of capturing interest rate risk to short term earnings, they
do not capture risk within the current balance sheet beyond twelve months. The
Company uses fair market value of equity analyses to help identify longer-term
risk that may reside on the current balance sheet. The fair market value of
equity is represented by the present value of all future income streams
generated by the current balance sheet. The Company measures the fair market
value of equity as the net present value of all asset and liability cash flows
discounted at forward rates suggested by the current U.S. Treasury curve plus
appropriate credit spreads. This representation of the change in the fair market
value of equity under different rate scenarios gives insight into the magnitude
of risk to future earnings due to rate changes. Management has set policy limits
relating to declines in the market value of equity. The table below contains the
analysis, which illustrates the effects of an immediate and sustained parallel
change in interest rates as of December 31, 2011: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="32%"><B><FONT face="Times New Roman" size=2>Change in Interest Rates</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%"><STRONG><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></STRONG></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="33%"><B><FONT face="Times New Roman" size=2>% Change in Net Interest
      Income</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%"><B><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="33%"><B><FONT face="Times New Roman" size=2>% Change in Fair Market Value
      of Equity</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap style="text-align: center" width="32%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>+200 basis points</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="33%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9</FONT><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="33%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12</FONT><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap style="text-align: center" width="32%"><FONT face="Times New Roman" size=2>+100 basis points</FONT></TD>
    <TD noWrap align=right width="1%">&nbsp;</TD>
    <TD noWrap style="text-align: center" width="33%"><FONT face="Times New Roman" size=2>5</FONT><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=right width="1%">&nbsp;</TD>
    <TD noWrap style="text-align: center" width="33%"><FONT face="Times New Roman" size=2>6</FONT><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap style="text-align: center" width="32%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Stable rates</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap style="text-align: center" width="33%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="33%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;&#151;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap style="text-align: center" width="32%"><FONT face="Times New Roman" size=2>-100 basis points</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap style="text-align: center" width="33%"><FONT face="Times New Roman" size=2>(1</FONT><FONT face="Times New Roman" size=2>%)</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap style="text-align: center" width="33%"><FONT face="Times New Roman" size=2>(5</FONT><FONT face="Times New Roman" size=2>%)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap style="text-align: center" width="32%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>-200 basis points</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="33%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(2</FONT><FONT face="Times New Roman" size=2>%)</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="33%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(7</FONT><FONT face="Times New Roman" size=2>%)</FONT></TD></TR></TABLE><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>Interest Rate Sensitivity Position
</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The following table presents the
Company&#146;s interest rate risk position at December 31, 2011 for the various time
periods indicated. </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="63%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Variable</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>0-90</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>91-180</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>181-364</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>1-5</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Over</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="63%"><I><FONT face="Times New Roman" size=2>(In thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Rate</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Days</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Days</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Days</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Years</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>5 Years</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Total</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Earning assets:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Loans:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Taxable</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;
    </FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>237,987</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;
    </FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>31,461</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;
    </FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11,553</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;
    </FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>22,504</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;
    </FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>330,113</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;
    </FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>37,204</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;
    </FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>670,822</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Tax-exempt</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>29</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
<TD noWrap align=right width="3%"><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
<TD noWrap align=right width="3%"><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>714</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
<TD noWrap align=right width="3%"><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>743</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Securities<SUP>1 </SUP>:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Tax-exempt</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
<TD noWrap align=right width="3%"><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,965</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,028</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>8,269</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>44,131</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>249,969</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>307,362</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Certificates of deposit</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,250</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,250</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Federal funds sold and other</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="63%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      short-term investments</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>223,383</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>223,383</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="63%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total earning assets</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>461,370</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>34,455</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>16,831</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>30,773</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>374,958</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>287,173</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,205,560</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%"><FONT face="Times New Roman" size=2>Interest-sensitive liabilities:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Money market accounts</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>175,961</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>175,961</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Now accounts</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>81,333</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>81,333</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Savings deposits</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>28,037</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>28,037</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Time deposits:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      $100K and more</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>55,518</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>46,644</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6,715</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,037</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>117,914</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Less than $100K</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5,839</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>3,554</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,125</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,649</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>13,167</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Federal funds purchased and</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="63%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      other short-term borrowing</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="63%"><FONT face="Times New Roman" size=2>Total interest-bearing liabilities</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>285,331</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>61,357</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>50,198</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>7,840</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>11,686</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>416,412</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Interest sensitivity
      gap:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Periodic</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>176,039</FONT></TD>
    <TD noWrap align=right width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(26,902</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(33,367</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>22,933</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>363,272</FONT></TD>
    <TD noWrap align=right width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>287,173</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>789,148</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Cumulative</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>176,039</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>149,137</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>115,770</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>138,703</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>501,975</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>789,148</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>789,148</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="63%"><FONT face="Times New Roman" size=2>Ratio of interest-bearing assets</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: White">
    <TD NOWRAP ALIGN="LEFT" WIDTH="63%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; to interest-bearing
      liabilities:</FONT></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="1%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="1%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="3%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="1%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="1%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="3%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="1%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="1%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="1%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="3%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="1%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="1%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="1%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="3%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="1%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="1%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="3%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="1%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="1%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="3%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="1%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="1%"></TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="3%"></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: Silver">
    <TD noWrap align=left width="63%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Periodic</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1.62</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>0.56</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>0.34</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>3.93</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>32.09</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>0.00</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2.90</FONT></TD></TR>
  <TR STYLE="vertical-align: bottom; background-color: transparent">
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: left; width: 63%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Cumulative</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%"></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%"></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: right; width: 3%"><FONT face="Times New Roman" size=2>1.62</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%"></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%"></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: right; width: 3%"><FONT face="Times New Roman" size=2>1.43</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%"></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%"></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%"></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: right; width: 3%"><FONT face="Times New Roman" size=2>1.29</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%"></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%"></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%"></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: right; width: 3%"><FONT face="Times New Roman" size=2>1.34</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%"></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%"></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: right; width: 3%"><FONT face="Times New Roman" size=2>2.21</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%"></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%"></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: right; width: 3%"><FONT face="Times New Roman" size=2>2.90</FONT></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%"></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: left; width: 1%"></TD>
    <TD NOWRAP STYLE="border-bottom: #000000 1.5pt solid; text-align: right; width: 3%"><FONT face="Times New Roman" size=2>2.90</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2><SUP>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD vAlign=top width="1%"><SUP><FONT size=2 face="Times New Roman">1 </FONT></SUP></TD>
    <TD vAlign=top width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" vAlign=top width="98%"><FONT size=2 face="Times New Roman">Balances shown reflect earliest re-pricing
  date.</FONT></TD></TR></TABLE></SUP></FONT></P>
<P align=center><FONT face="Times New Roman" size=2>23 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>ITEM 8. </FONT></B><B><U><FONT face="Times New Roman" size=2>FINANCIAL STATEMENTS AND SUPPLEMENTARY
DATA</FONT></U></B><FONT face="Times New Roman" size=2> </FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>CASS INFORMATION SYSTEMS, INC. AND
SUBSIDIARIES<BR>CONSOLIDATED BALANCE SHEETS </FONT></B></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=1></FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="11%" colSpan=7><B><FONT face="Times New Roman" size=2>December 31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="87%"><I><FONT face="Times New Roman" size=2>(In thousands except share and per share
data)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Assets</FONT></B></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>Cash and due from banks</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>12,579</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>12,277</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Interest-bearing deposits
      in other financial institutions</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>123,551</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>67,299</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>Federal funds sold and other short-term
      investments</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>99,832</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>59,353</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Cash and cash equivalents</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>235,962</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>138,929</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>Securities available-for-sale, at fair
      value</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>310,612</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>264,569</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR>
    <TD width="99%" colSpan=9>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Loans</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>671,565</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>708,633</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Less: Allowance for loan losses</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>12,954</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>11,891</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Loans, net</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>658,611</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>696,742</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>Premises and equipment, net</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>9,587</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>9,617</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Investments in bank-owned
      life insurance</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>14,375</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>14,191</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>Payments in excess of funding</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>61,378</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>33,609</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Goodwill</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,471</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,471</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>Other intangible assets, net</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>161</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>268</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Other assets</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>21,144</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>22,639</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Total assets</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,319,301</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,188,035</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"></TD></TR>
  <TR>
    <TD width="99%" colSpan=9>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Liabilities and Shareholders&#146; Equity</FONT></B></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>Liabilities:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Deposits</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Noninterest-bearing</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>131,956</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>113,097</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Interest-bearing</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>416,412</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>405,493</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Total deposits</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>548,368</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>518,590</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Accounts and drafts
      payable</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>595,201</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>516,107</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>Other liabilities</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>15,184</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>11,244</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Total liabilities</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,158,753</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,045,941</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD width="99%" colSpan=9>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Shareholders&#146;
      Equity:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>Preferred stock, par value $.50 per share;
      2,000,000</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; shares
      authorized and no shares issued</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Common stock, par value
      $.50 per share; 20,000,000</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; shares authorized
      and 10,890,163 and 9,949,324 shares</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; issued at December
      31, 2011 and 2010, respectively</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,445</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,975</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>Additional paid-in capital</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>80,971</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>46,653</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Retained
earnings</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>89,853</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>107,263</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>Common shares in treasury, at cost (532,233
      and 561,533</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; shares
      at December 31, 2011 and 2010, respectively)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(12,968</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(13,549</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Accumulated other
      comprehensive loss</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(2,753</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(3,248</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Total shareholders&#146; equity</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>160,548</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>142,094</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Total liabilities and shareholders&#146; equity</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,319,301</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,188,035</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>See accompanying notes to consolidated
financial statements. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>24 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>CASS INFORMATION SYSTEMS, INC. AND
SUBSIDIARIES<BR>CONSOLIDATED STATEMENTS OF INCOME </FONT></B></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"></TD>
    <TD noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="14%" colSpan=8><B><FONT face="Times New Roman" size=2>For the Years Ended December
      31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="84%"><I><FONT face="Times New Roman" size=2>(In thousands except per share data)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Fee Revenue and Other Income:</FONT></B></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>Information services payment and processing
      revenue</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>60,688</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>54,183</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>48,665</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Bank service
fees</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,354</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,410</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,324</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>Gains on sales of securities</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>43</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>697</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Other</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>739</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>553</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>552</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Total fee revenue and other income</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>62,824</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>56,146</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>51,238</FONT></TD></TR>
  <TR>
    <TD width="99%" colSpan=10>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Interest Income:</FONT></B></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>Interest and fees on loans</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>39,515</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>39,785</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36,003</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Interest and dividends on
      securities:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Taxable</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>41</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>43</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>58</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Exempt from federal income taxes</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,993</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>8,704</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,553</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>Interest on federal funds sold and</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      other short-term investments</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>686</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>514</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>170</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Total interest income</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>50,235</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>49,046</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>43,784</FONT></TD></TR>
  <TR>
    <TD width="99%" colSpan=10>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Interest Expense:</FONT></B></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>Interest on deposits</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,374</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,875</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,924</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Interest on short-term
      borrowings</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>23</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>Interest on subordinated convertible
      debentures</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>106</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Total interest expense</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,374</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,875</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,053</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Net interest income</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>45,861</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>44,171</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>38,731</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Provision for loan
      losses</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,150</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,100</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,050</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Net interest income after provision for loan losses</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>43,711</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>40,071</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36,681</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Total net revenue</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>106,535</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>96,217</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>87,919</FONT></TD></TR>
  <TR>
    <TD width="99%" colSpan=10>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Operating Expense:</FONT></B></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>Salaries and employee benefits</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>56,573</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>51,368</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>50,614</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Occupancy</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,318</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,485</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,396</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>Equipment</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>3,525</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>3,561</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>3,348</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Amortization of intangible
      assets</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>107</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>107</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>222</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>Other operating</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>12,506</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>10,763</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>9,805</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Total operating expense</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>75,029</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>68,284</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>66,385</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Income before income tax expense</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>31,506</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>27,933</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>21,534</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Income tax
    expense</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>8,497</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,623</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,405</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Net income</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>23,009</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>20,310</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>16,129</FONT></TD></TR>
  <TR>
    <TD width="99%" colSpan=10>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Basic Earnings Per
      Share</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2.23</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.98</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.60</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>Diluted Earnings Per Share</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2.21</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1.95</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1.57</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>See accompanying notes to consolidated
financial statements. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>25 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>CASS INFORMATION SYSTEMS, INC. AND
SUBSIDIARIES <BR>CONSOLIDATED STATEMENTS OF CASH FLOWS </FONT></B></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="17%" colSpan=11><B><FONT face="Times New Roman" size=2>For the Years Ended December
      31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="81%"><I><FONT face="Times New Roman" size=2>(In thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Cash Flows From Operating Activities:</FONT></B></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>Net income</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>23,009</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>20,310</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>16,129</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Adjustments to reconcile
      net income to net cash provided</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; by operating
      activities:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Depreciation and amortization</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,528</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,026</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,039</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Net gains on sales of securities</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(43</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(697</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Stock-based compensation expense</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,390</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,472</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,881</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Provisions for loan losses</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,150</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,100</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,050</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Deferred income tax expense (benefit)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,145</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,268</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(650</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Decrease in income tax liability</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(192</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(487</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(869</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Decrease in pension liability</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(6,817</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(4,259</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(398</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      FDIC insurance prepayment</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(2,124</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Other operating activities, net</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(528</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(2,654</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(282</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Net cash provided by operating activities</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>25,642</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>23,776</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>19,079</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD width="99%" colSpan=13>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Cash Flows From Investing Activities:</FONT></B></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>Proceeds from sales of securities
      available-for-sale</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5,930</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>21,906</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Proceeds from maturities
      of securities available-for-sale</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>18,510</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,770</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,655</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>Purchase of securities
      available-for-sale</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(61,768</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(49,944</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(51,160</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Net decrease (increase) in
      loans</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>35,981</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(67,169</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(50,198</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>Increase in payments in excess of
      funding</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(27,769</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(10,972</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(772</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Purchases of premises and
      equipment, net</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(1,925</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(1,190</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(1,077</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Net cash used in investing activities</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(31,041</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(124,505</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(75,646</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR>
    <TD width="99%" colSpan=13>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Cash Flows From Financing Activities:</FONT></B></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>Net increase (decrease) in
      noninterest-bearing demand deposits</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>18,859</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(54</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>9,851</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Net increase in
      interest-bearing demand and savings deposits</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>36,956</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>39,392</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>104,390</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>Net (decrease) increase in time
      deposits</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(26,037</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>41,376</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>46,094</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Net increase (decrease) in
      accounts and drafts payable</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>79,094</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>85,856</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(48,774</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>Cash dividends paid</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(6,279</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(5,448</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(4,925</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Purchase of common shares
      of treasury</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(467</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT size=2 face="Times New Roman">&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>Other financing activities, net</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(161</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(291</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(260</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Net cash provided by financing activities</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>102,432</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>160,364</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>106,376</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>Net increase in cash and cash
      equivalents</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>97,033</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>59,635</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>49,809</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Cash and cash equivalents
      at beginning of year</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>138,929</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>79,294</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>29,485</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>Cash and cash equivalents at end of
      year</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>235,962</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>138,929</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>79,294</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"></TD></TR>
  <TR>
    <TD width="99%" colSpan=13>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Supplemental
      information:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Cash paid for interest</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,424</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,893</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5,128</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Cash paid for income taxes</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6,287</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,934</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,677</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>See accompanying notes to consolidated
financial statements. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>26 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>CASS INFORMATION SYSTEMS, INC. AND
SUBSIDIARIES <BR></FONT></B><B><FONT face="Times New Roman" size=2>CONSOLIDATED STATEMENTS
OF SHAREHOLDERS&#146; EQUITY AND COMPREHENSIVE INCOME </FONT></B></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=1>Accumulated</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=1>Additional</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=1>Other</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=1>Common</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=1>Paid-in</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=1>Retained</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=1>Treasury</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=1>Comprehensive</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=1>Comprehensive</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="58%"><I><FONT face="Times New Roman" size=2>(In thousands except
      per share data)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=1>Stock</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=1>Capital</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=1>Earnings</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=1>Stock</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=1>Loss</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=1>Total</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=1>Income
      (Loss)</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Balance, December 31, 2008</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp; </FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,975</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>45,746</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>81,197</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(18,264</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;
      </FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(7,413</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>106,241</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Net
      income</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>16,129</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>16,129</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>16,129</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Cash dividends ($.48 per share)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(4,925</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(4,925</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Other comprehensive income (loss):</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Reclassification adjustments for gains</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      included in net income, net of tax</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(453</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(453</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(453</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net unrealized gain on
      securities</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      available-for-sale, net of tax</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>6,145</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>6,145</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>6,145</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>FASB ASC 715 adjustment, net of
tax</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,540</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,540</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,540</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Issuance of 42,500 common shares pursuant</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; to stock-based compensation
      plan, net</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(910</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>910</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Exercise of stock options</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(388</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>408</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>20</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Stock-based compensation expense</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,881</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,881</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Subordinated debenture conversion</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(633</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,623</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,990</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Balance, December 31, 2009</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,975</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>45,696</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>92,401</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(13,323</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(181</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>129,568</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Comprehensive income for 2009</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>23,361</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD width="99%" colSpan=28>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Net income</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>20,310</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>20,310</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>20,310</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Cash
      dividends ($.53 per share)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(5,448</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(5,448</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Purchase of 13,200 shares</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(467</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(467</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Other comprehensive income (loss):</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net
      unrealized loss on securities</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      available-for-sale, net of tax</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(2,149</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(2,149</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(2,149</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>FASB
      ASC 715 adjustment, net of tax</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(918</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(918</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(918</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Issuance of 16,664 common shares
      pursuant</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; to
      stock-based compensation plan, net</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(349</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>108</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(241</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Exercise of stock options and SARs</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(166</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>133</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(33</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Stock-based compensation expense</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,472</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,472</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Balance, December 31, 2010</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,975</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>46,653</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>107,263</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(13,549</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(3,248</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>142,094</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Comprehensive income for 2010</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>17,243</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD width="99%" colSpan=28>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Net income</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>23,009</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>23,009</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>23,009</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Cash
      dividends ($.61 per share)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(6,279</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(6,279</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Stock dividend</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>470</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>33,643</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(34,140</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(27</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Other comprehensive income (loss):</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Net
      unrealized gain on securities</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      available-for-sale, net of tax</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,268</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,268</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,268</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Reclassification adjustments
      for gains</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      included in net income, net of tax</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(28</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(28</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(28</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>FASB ASC 715 adjustment, net of
tax</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(6,713</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(6,713</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(6,713</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Issuance of 28,611 common shares pursuant</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; to stock-based compensation
      plan, net</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(519</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>436</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(83</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Exercise of stock options and SARs</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(196</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>145</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(51</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Stock-based compensation expense</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,390</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,390</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Foreign currency translation</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(32</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(32</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(32</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%"><FONT face="Times New Roman" size=2>Balance, December 31, 2011</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5,445</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>80,971</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>89,853</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(12,968</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(2,753</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>160,548</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="58%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      Comprehensive income for 2011</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>23,504</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR></TABLE>
<BR>
<P align=justify><FONT face="Times New Roman" size=2>See accompanying notes to consolidated
financial statements. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>27 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>NOTES TO CONSOLIDATED FINANCIAL
STATEMENTS </FONT></B></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Note 1<BR></FONT></B><B><FONT face="Times New Roman" size=2>Summary of Significant Accounting Policies </FONT></B></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Summary of Operations
</FONT></I></B><FONT face="Times New Roman" size=2>Cass Information Systems,
Inc</FONT><B><FONT face="Times New Roman" size=2>. </FONT></B><FONT face="Times New Roman" size=2>(the
&#147;Company&#148;) 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, &#147;Accounts and drafts payable&#148; and &#147;Payments in excess of funding,&#148;
represent the Company&#146;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 &#147;Bank&#148;), its wholly owned bank subsidiary.
</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Basis of
Presentation</FONT></I></B><FONT face="Times New Roman" size=2> 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&#146; 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. </FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Use of Estimates
</FONT></I></B><FONT face="Times New Roman" size=2>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.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Cash and Cash
Equivalents</FONT></I></B><FONT face="Times New Roman" size=2> 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. </FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Investment in Debt
Securities</FONT></I></B><FONT face="Times New Roman" size=2> 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&#146; 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.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Allowance for Loan
Losses</FONT></I></B><FONT face="Times New Roman" size=2> 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&#146;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&#146;s judgment, deserve current recognition in estimating loan losses.
</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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&#146;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. </FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Premises and
Equipment</FONT></I></B><FONT face="Times New Roman" size=2> 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. </FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Intangible
Assets</FONT></I></B><FONT face="Times New Roman" size=2> 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.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>28 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>

<P align=justify><FONT face="Times New Roman" size=2>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.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Non-marketable Equity
Investments </FONT></I></B><FONT face="Times New Roman" size=2>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.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Foreclosed Assets
</FONT></I></B><FONT face="Times New Roman" size=2>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.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Treasury
Stock</FONT></I></B><FONT face="Times New Roman" size=2> Purchases of the
Company&#146;s common stock are recorded at cost. Upon reissuance, treasury stock is
reduced based upon the average cost basis of shares held.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Comprehensive
Income</FONT></I></B><FONT face="Times New Roman" size=2> 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.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Loans</FONT></I></B><FONT face="Times New Roman" size=2> Interest on
loans is recognized based upon the principal amounts outstanding. It is the
Company&#146;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.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Impairment of
Loans</FONT></I></B><FONT face="Times New Roman" size=2> 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.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Information Services
Revenue</FONT></I></B><FONT face="Times New Roman" size=2> A majority of the
Company&#146;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&#146;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.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Income
Taxes</FONT></I></B><FONT face="Times New Roman" size=2> 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.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Earnings Per
Share</FONT></I></B><FONT face="Times New Roman" size=2> 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.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>29</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Stock-Based
Compensation</FONT></I></B><FONT face="Times New Roman" size=2> The Company
follows FASB ASC 718 &#147;Accounting for Stock Options and Other Stock-based
Compensation&#148; 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.</FONT></P>
<P align=justify><B><I><FONT face="Times New Roman" size=2>Pension Plans
</FONT></I></B><FONT face="Times New Roman" size=2>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, &#147;Compensation &#150; Retirement Benefits,&#148;
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&#146;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.</FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Impact of New and Not
Yet Adopted Accounting Pronouncements </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>In June 2011, the FASB
issued Accounting Standards Update (&#147;ASU&#148;) No. 2011-05 &#150; </FONT><I><FONT face="Times New Roman" size=2>Comprehensive Income (ASC Topic 220)
</FONT></I><FONT face="Times New Roman" size=2>&#150; </FONT><I><FONT face="Times New Roman" size=2>Presentation of Comprehensive
Income.</FONT></I><FONT face="Times New Roman" size=2> 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&#146; 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&#146;s address financial statement presentation, the
adoptions will not impact the Company&#146;s consolidated financial statements or
results of operations.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>In September 2011, the FASB
issued ASU No. 2011-08 &#150; </FONT><I><FONT face="Times New Roman" size=2>Intangibles </FONT></I><FONT face="Times New Roman" size=2>&#150;
</FONT><I><FONT face="Times New Roman" size=2>Goodwill and Other (ASC Topic 350)
</FONT></I><FONT face="Times New Roman" size=2>&#150; </FONT><I><FONT face="Times New Roman" size=2>Testing of Goodwill for
Impairment.</FONT></I><FONT face="Times New Roman" size=2> 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&#146;s consolidated financial statements or results of
operations.</FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Note
2<BR></FONT></B><B><FONT face="Times New Roman" size=2>Capital Requirements and
Regulatory Restrictions</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>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&#146;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&#146;s
capital amounts and classifications are also subject to qualitative judgments by
the regulators about components, risk weightings and other factors.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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&#146;s
category.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>30</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2>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&#146;s capital to be reduced below applicable minimum capital
requirements. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>There were no restricted
funds on deposit used to meet regulatory reserve requirements at December 31,
2011 and 2010.</FONT><FONT face="Times New Roman" size=1> </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company&#146;s and the
Bank&#146;s actual and required capital amounts and ratios as are as follows:
</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="68%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="10%" colSpan=6><B><FONT face="Times New Roman" size=2>Capital</FONT></B></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="9%" colSpan=5><B><FONT face="Times New Roman" size=2>Requirement to be</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="68%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="10%" colSpan=6><B><FONT face="Times New Roman" size=2>Actual</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="10%" colSpan=6><B><FONT face="Times New Roman" size=2>Requirements</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="9%" colSpan=5><B><FONT face="Times New Roman" size=2>Well
      Capitalized</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="68%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Amount</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><STRONG><FONT face="Times New Roman" size=2>Ratio</FONT></STRONG></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Amount</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><STRONG><FONT face="Times New Roman" size=2>Ratio</FONT></STRONG></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Amount</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><STRONG><FONT face="Times New Roman" size=2>Ratio</FONT></STRONG></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="68%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>At December 31, 2011</FONT></B></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="68%"><FONT face="Times New Roman" size=2>Total capital (to risk-weighted assets)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="68%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cass Information Systems,
      Inc.</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>166,605</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;</TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>19.03</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>70,033</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;</TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>8.00</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>N/A</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>N/A</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="68%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cass Commercial
      Bank</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>66,851</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>12.71</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>42,070</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>8.00</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>52,588</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>10.00</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="68%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Tier I capital (to risk-weighted
      assets)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="68%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cass Information Systems,
      Inc.</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>155,638</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>17.78</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>35,016</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4.00</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>N/A</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>N/A</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="68%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cass Commercial
      Bank</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>60,248</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11.46</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>21,035</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4.00</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>31,553</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6.00</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="68%"><FONT face="Times New Roman" size=2>Tier
      I capital (to average assets)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="68%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cass Information Systems,
      Inc.</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>155,638</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11.53</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>40,502</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3.00</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>N/A</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>N/A</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="68%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cass Commercial
      Bank</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>60,248</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>9.49</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>19,044</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>3.00</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>31,741</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5.00</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="68%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>At December 31, 2010</FONT></B></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="68%"><FONT face="Times New Roman" size=2>Total capital (to risk-weighted assets)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="68%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cass Information Systems,
      Inc.</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>148,659</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>16.82</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>70,695</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>8.00</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>N/A</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>N/A</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="68%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cass Commercial
      Bank</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>58,838</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>10.72</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>43,916</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>8.00</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>54,895</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>10.00</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="68%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Tier I capital (to risk-weighted
      assets)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="68%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cass Information Systems,
      Inc.</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>137,603</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>15.57</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>35,348</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4.00</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>N/A</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>N/A</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="68%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cass Commercial
      Bank</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>51,955</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9.46</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>21,958</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4.00</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>32,937</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6.00</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="68%"><FONT face="Times New Roman" size=2>Tier
      I capital (to average assets)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="68%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cass Information Systems,
      Inc.</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>137,603</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11.18</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>36,923</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3.00</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>N/A</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>N/A</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="68%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cass Commercial
      Bank</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>51,955</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>8.92</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>17,472</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>3.00</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>29,121</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5.00</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD></TR></TABLE><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>Note
3<BR></FONT></B><B><FONT face="Times New Roman" size=2>Investment in
Securities</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Investment securities
available-for-sale are recorded at fair value on a recurring basis. The
Company&#146;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 &#147;observable inputs&#148; rather than
&#147;significant unobservable inputs&#148; 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: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="19%" colSpan=11><B><FONT face="Times New Roman" size=2>December 31,
      2011</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Gross</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Gross</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Amortized</FONT></B></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Unrealized</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Unrealized</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="79%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Cost</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Gains</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Losses</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Fair
      Value</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>State and political subdivisions</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>287,585</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>19,797</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>20</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>307,362</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="79%"><FONT face="Times New Roman" size=2>Certificates of
      deposit</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>3,250</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>3,250</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>290,835</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>19,797</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>20</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>310,612</FONT></TD></TR>
  <TR>
    <TD width="99%" colSpan=13>&nbsp;&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="19%" colSpan=11><B><FONT face="Times New Roman" size=2>December 31,
      2010</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Gross</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Gross</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Amortized</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Unrealized</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Unrealized</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="79%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Cost</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Gains</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2>&nbsp; <B><FONT face="Times New Roman" size=2>Losses</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Fair
      Value</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>State and political
      subdivisions</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>255,929</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,829</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,189</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>264,569</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="79%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>255,929</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>9,829</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,189</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>264,569</FONT></TD></TR></TABLE><BR>

<P align=center><FONT face="Times New Roman" size=2>31</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>

<P align=justify><FONT face="Times New Roman" size=2>The fair values of
securities with unrealized losses are as follows: </FONT></P>


<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="29%" colSpan=17><B><FONT face="Times New Roman" size=2>December 31,
      2011</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="9%" colSpan=5><B><FONT face="Times New Roman" size=2>Less than 12
      months</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="9%" colSpan=5><B><FONT face="Times New Roman" size=2>12 months or
      more</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="9%" colSpan=5><B><FONT face="Times New Roman" size=2>Total</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Estimated</FONT></B></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Unrealized</FONT></B></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Estimated</FONT></B></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Unrealized</FONT></B></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Estimated</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Unrealized</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="70%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Fair
      Value</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Losses</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Fair
      Value</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Losses</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Fair value</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Losses</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>State and political subdivisions</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,362</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>20</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,362</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>20</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="70%"><FONT face="Times New Roman" size=2>Certificates of
      deposit</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,362</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>20</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,362</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>20</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=19>&nbsp;&nbsp;&nbsp;&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="29%" colSpan=17><B><FONT face="Times New Roman" size=2>December 31,
      2010</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="9%" colSpan=5><B><FONT face="Times New Roman" size=2>Less than 12
      months</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="9%" colSpan=5><B><FONT face="Times New Roman" size=2>12 months or
      more</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="9%" colSpan=5><B><FONT face="Times New Roman" size=2>Total</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Estimated</FONT></B></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Unrealized</FONT></B></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Estimated</FONT></B></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Unrealized</FONT></B></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Estimated</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Unrealized</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="70%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Fair
      Value</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Losses</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Fair Value</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Losses</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Fair value</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Losses</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>State and political
      subdivisions</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>53,741</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,189</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>53,741</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,189</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="70%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>53,741</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,189</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>53,741</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,189</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>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. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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. </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="90%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="9%" colSpan=5><B><FONT face="Times New Roman" size=2>December 31,
      2011</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="90%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Amortized
      Cost</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Fair
      Value</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Due in 1 year or less</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>16,289</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>16,512</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%"><FONT face="Times New Roman" size=2>Due
      after 1 year through 5 years</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>41,109</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>44,131</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Due after 5 years through 10 years</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>114,454</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>124,680</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%"><FONT face="Times New Roman" size=2>Due
      after 10 years</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>118,983</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>125,289</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>No stated
      maturity</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="90%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>290,835</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>310,612</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>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. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Note
4<BR>Loans</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>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. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>A summary of loan
categories is as follows: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="90%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="9%" colSpan=5><B><FONT face="Times New Roman" size=2>December
      31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="90%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Commercial and industrial</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>136,916</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>135,061</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%"><FONT face="Times New Roman" size=2>Real
      estate</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>140,848</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>152,215</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Construction</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,067</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>18,434</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Church,
      church-related:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>347,726</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>365,378</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Construction</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36,497</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36,318</FONT></TD></TR>
  <TR>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Other</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>511</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,227</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="90%" bgColor=#ffffff><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total loans<FONT face="Times New Roman"></FONT></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#ffffff></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#ffffff><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#ffffff><FONT face="Times New Roman" size=2>671,565</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#ffffff></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#ffffff><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#ffffff><FONT face="Times New Roman" size=2>708,633</FONT></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2>32 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2>The following table
presents the aging of loans by loan categories at December 31, 2011: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="69%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" width="14%" colSpan=8><B><FONT face="Times New Roman" size=2>Performing</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="14%" colSpan=8><B><FONT face="Times New Roman" size=2>Nonperforming</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>90 Days</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>30-59</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>60-89</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>and</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Non</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Total</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="69%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Current</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Days</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Days</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Over</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Accrual</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Loans</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Commercial and industrial</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>136,850</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>10</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>56</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>136,916</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%"><FONT face="Times New Roman" size=2>Real
      estate</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>139,249</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>137</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>29</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,433</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>140,848</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Construction</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,067</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,067</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Church,
      church-related:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>347,506</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>220</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>347,726</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Construction</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36,497</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36,497</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="69%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Other</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>511</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>511</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="69%"><FONT face="Times New Roman" size=2>Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>669,680</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>137</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>10</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>29</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,709</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>671,565</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>The following table
presents the aging of loans by loan categories at December 31, 2010: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="69%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" width="14%" colSpan=8><B><FONT face="Times New Roman" size=2>Performing</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="14%" colSpan=8><B><FONT face="Times New Roman" size=2>Nonperforming</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>90 Days</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>30-59</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>60-89</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>and</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Non</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Total</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="69%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Current</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Days</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Days</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Over</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Accrual</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Loans</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Commercial and industrial</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>134,936</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>79</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>46</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>135,061</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%"><FONT face="Times New Roman" size=2>Real
      estate</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>151,581</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>145</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>489</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>152,215</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Construction</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>18,434</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>18,434</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Church,
      church-related:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>363,424</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,924</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>30</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>365,378</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="69%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Construction</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36,318</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36,318</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="69%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Other</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,227</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,227</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="69%"><FONT face="Times New Roman" size=2>Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>705,920</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,148</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>565</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>708,633</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>The following table
presents the credit exposure of the loan portfolio by internally assigned credit
grade as of December 31, 2011: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Loans</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Performing</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Nonperforming</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Subject to</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Loans Subject to</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Loans Subject to</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Normal</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Special</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Special</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Total</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="80%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Monitoring</FONT></B><B><FONT face="Times New Roman" size=2><SUP>1</SUP></FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Monitoring<SUP>2</SUP></FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Monitoring<SUP>2</SUP></FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Loans</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Commercial and industrial</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>132,475</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,385</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>56</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>136,916</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>Real
      estate</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>125,850</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>13,536</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,462</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>140,848</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Construction</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,067</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,067</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Church,
      church-related:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>336,727</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>10,779</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>220</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>347,726</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Construction</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36,497</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36,497</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Other</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>511</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>511</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="80%"><FONT face="Times New Roman" size=2>Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>641,127</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>28,700</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,738</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>671,565</FONT></TD></TR></TABLE><BR>
<TABLE style="TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><SUP><FONT face="Times New Roman" size=2>1</FONT></SUP></TD>
    <TD vAlign=top noWrap></TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" width="100%"><FONT face="Times New Roman" size=2>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.</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap><SUP><FONT face="Times New Roman" size=2>2</FONT></SUP></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" width="100%"><FONT face="Times New Roman" size=2>Loans subject to special monitoring possess
      some credit deficiency or potential weakness which requires a high level
      of management attention.</FONT></TD></TR></TABLE>
<P align=center><FONT face="Times New Roman" size=2>33</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2>The following table
presents the credit exposure of the loan portfolio by internally assigned credit
grade as of December 31, 2010: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Loans</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Performing</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Nonperforming</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Subject to</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Loans Subject to</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Loans Subject to</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Normal</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Special</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Special</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Total</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="80%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Monitoring</FONT></B><B><FONT face="Times New Roman" size=2><SUP>1</SUP></FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Monitoring<SUP>2</SUP></FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Monitoring<SUP>2</SUP></FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Loans</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Commercial and industrial</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>130,148</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,867</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>46</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>135,061</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>Real
      estate</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>143,009</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>8,717</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>489</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>152,215</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Construction</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>18,434</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>18,434</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Church,
      church-related:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>353,578</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11,770</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>30</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>365,378</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="80%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Construction</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36,318</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36,318</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="80%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Other</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,227</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,227</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="80%"><FONT face="Times New Roman" size=2>Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>682,714</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>25,354</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>565</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>708,633</FONT></TD></TR></TABLE><BR>
<TABLE style="TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><SUP><FONT face="Times New Roman" size=2>1</FONT></SUP></TD>
    <TD vAlign=top noWrap></TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" width="100%"><FONT face="Times New Roman" size=2>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.</FONT></TD></TR>
  <TR>
    <TD vAlign=top noWrap><SUP><FONT face="Times New Roman" size=2>2</FONT></SUP></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" width="100%"><FONT face="Times New Roman" size=2>Loans subject to special monitoring possess
      some credit deficiency or potential weakness which requires a high level
      of management attention.</FONT></TD></TR></TABLE>
<P align=justify><FONT face="Times New Roman" size=2>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.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The following table
presents the recorded investment and unpaid principal balance for impaired loans
at December 31, 2011: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Unpaid</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Related</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Recorded</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Principal</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Allowance for</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="84%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Investment</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Balance</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Loan
      Losses</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Commercial and industrial:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nonaccrual</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>56</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>56</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>28</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Troubled
      debt restructurings still accruing</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>83</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>83</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>8</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>Real
      estate</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial &#150;
      Mortgage:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nonaccrual</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,433</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,433</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>149</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Past
      due 90 days or more and still accruing</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>29</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>29</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Troubled
      debt restructurings still accruing</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,396</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,396</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>766</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Church &#150;
    Mortgage:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="84%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nonaccrual</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>220</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>220</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>115</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total impaired
      loans</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6,217</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6,217</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,066</FONT></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2>34 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2>The following table
presents the recorded investment and unpaid principal balance for impaired loans
at December 31, 2010: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Unpaid</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Related</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Recorded</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Principal</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Allowance for</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="84%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Investment</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Balance</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Loan
      Losses</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Commercial and industrial:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nonaccrual</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>46</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>46</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Troubled
      debt restructurings still accruing</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>Real
      estate</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial &#150;
      Mortgage:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nonaccrual</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>489</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>489</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>100</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Church &#150;
    Mortgage:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="84%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nonaccrual</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>30</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>30</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>15</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total impaired
      loans</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>565</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>565</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>120</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>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, &#147;Allowance for Credit Losses&#148;. 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.
</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>A summary of the activity
in the allowance for loan losses is as follows: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>December 31,</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Charge-</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>December 31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="73%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Offs</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Recoveries</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Provision</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Commercial and industrial</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,732</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,118</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>58</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>922</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,594</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>Real
      estate</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Commercial:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>3,356</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,420</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,776</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Construction</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>269</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(102</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>167</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Church,
      church-related:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Mortgage</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,135</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>28</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(311</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,797</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Construction</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>387</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>229</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>616</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Other</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(8</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="73%"><FONT face="Times New Roman" size=2>Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>11,891</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,146</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>59</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,150</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>12,954</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>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. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Note
5<BR></FONT></B><B><FONT face="Times New Roman" size=2>Premises and
Equipment</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>A summary of premises and
equipment is as follows: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="89%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="9%" colSpan=5><B><FONT face="Times New Roman" size=2>December
      31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="89%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="89%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Land</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>873</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>873</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="89%"><FONT face="Times New Roman" size=2>Buildings</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>10,491</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>10,491</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="89%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Leasehold improvements</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>836</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,794</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="89%"><FONT face="Times New Roman" size=2>Furniture, fixtures and equipment</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>10,072</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>11,247</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="89%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Purchased software</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,894</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,390</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="89%"><FONT face="Times New Roman" size=2>Internally developed
      software</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,650</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>3,283</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="89%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>30,816</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>33,078</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="89%"><FONT face="Times New Roman" size=2>Less accumulated
      depreciation</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>21,229</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>23,461</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="89%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,587</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,617</FONT></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2>35</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2>Total depreciation charged
to expense in 2011, 2010 and 2009 amounted to $1,955,000, $2,024,000, and
$2,243,000, respectively. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="60%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="95%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Amount</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="95%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2012</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>614</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="95%"><FONT face="Times New Roman" size=2>2013</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>487</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="95%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2014</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>321</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="95%"><FONT face="Times New Roman" size=2>2015</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>196</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="95%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2016</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>46</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="95%"><FONT face="Times New Roman" size=2>Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,664</FONT></TD></TR></TABLE><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>Note
6<BR></FONT></B><B><FONT face="Times New Roman" size=2>Acquired Intangible
Assets</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company accounts for
intangible assets in accordance with FASB ASC 350, &#147;Goodwill and Other
Intangible Assets,&#148; 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&#146;s intangible assets
are as follows: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="77%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="10%" colSpan=6><B><FONT face="Times New Roman" size=2>December 31,
      2011</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="10%" colSpan=6><B><FONT face="Times New Roman" size=2>December 31,
      2010</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="77%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Gross Carrying</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Accumulated</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Gross Carrying</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Accumulated</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="77%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Amount</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Amortization</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Amount</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Amortization</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="77%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Assets eligible for amortization:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="77%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Customer List</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>750</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(589</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>750</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(482</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="77%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>750</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(589</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>750</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(482</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="77%"><FONT face="Times New Roman" size=2>Unamortized intangible assets:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="77%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Goodwill<SUP>1</SUP></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,698</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(227</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,698</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(227</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="77%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total
      unamortized intangibles</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>7,698</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(227</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>7,698</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(227</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="77%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total intangible
      assets</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>8,448</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(816</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>8,448</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(709</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR></TABLE>
<P align=justify><FONT face="Times New Roman" size=2>
<TABLE style="TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><SUP><FONT face="Times New Roman" size=2>1</FONT></SUP></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" width="100%"><FONT face="Times New Roman" size=2>Amortization through December 31, 2001 prior
      to adoption of FASB ASC 350<FONT face="Times New Roman" size=1>.</FONT></FONT></TD></TR></TABLE></FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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, $107,000 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.
</FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Note
7<BR></FONT></B><B><FONT face="Times New Roman" size=2>Interest-Bearing
Deposits</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Interest-bearing deposits
consist of the following:</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="90%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="9%" colSpan=5><B><FONT face="Times New Roman" size=2>December
      31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="90%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>NOW and money market deposit
    accounts</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>257,294</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>215,927</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%"><FONT face="Times New Roman" size=2>Savings deposits</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>28,037</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>32,447</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Time deposits:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Less than $100</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>13,167</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>20,950</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$100 or more</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>117,914</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>136,169</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="90%"><FONT face="Times New Roman" size=2>Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>416,412</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>405,493</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>Interest on deposits
consists of the following: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="85%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" width="14%" colSpan=8><B><FONT face="Times New Roman" size=2>December
      31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="85%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>NOW and money market deposit
    accounts</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,162</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,082</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,797</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%"><FONT face="Times New Roman" size=2>Savings deposits</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>225</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>321</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>335</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Time deposits:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Less than $100</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,297</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,658</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,729</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="85%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;$100 or more</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>690</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>814</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,063</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="85%"><FONT face="Times New Roman" size=2>Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,374</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,875</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,924</FONT></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2>36</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2>The scheduled maturities of
time deposits are summarized as follows: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="18%" colSpan=11><B><FONT face="Times New Roman" size=2>December
      31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="9%" colSpan=5><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="8%" colSpan=5><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Percent</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="2%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Percent</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="81%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Amount</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>of
      Total</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" colSpan=2><B><FONT face="Times New Roman" size=2>Amount</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>of
      Total</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Due within:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;One year</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>119,394</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>91.1</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>134,217</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>85.4</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Two years</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,362</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5.6</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>19,442</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12.4</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Three years</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,735</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1.3</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>914</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>0.6</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Four years</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,332</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.8</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>447</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>0.3</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="81%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Five years</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>258</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.2</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>2,099</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1.3</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>131,081</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>100.0</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>157,119</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>100.0</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR></TABLE><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>Note
8<BR></FONT></B><B><FONT face="Times New Roman" size=2>Subordinated Convertible
Debentures and Unused Available Lines of Credit</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>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&#146;s common stock in accordance with the conversion provisions. As such, no
convertible debentures are outstanding as of December 31, 2010 and
2011.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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.</FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Note
9<BR></FONT></B><B><FONT face="Times New Roman" size=2>Common Stock and Earnings
per Share</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The table below shows
activity in the outstanding shares of the Company&#146;s common stock during
2011.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="60%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="96%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Shares outstanding at January 1</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,387,791</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%"><FONT face="Times New Roman" size=2>10%
      stock dividend issued December 15, 2011</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>940,839</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Issuance of common stock:</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Issued under stock-based
      compensation plan</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>21,195</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="96%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Stock options/SARs
      exercised</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>8,105</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="96%"><FONT face="Times New Roman" size=2>Shares outstanding at
      December 31</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>10,357,930</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>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&#146;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.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>37</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV>
<P><BR><FONT face="Times New Roman" size=2>The calculations of basic and diluted
earnings per share are as follows:</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="82%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="17%" colSpan=8><B><FONT face="Times New Roman" size=2>December
      31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="82%"><I><FONT face="Times New Roman" size=2>(In thousands except
      share and per share data)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="6%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=2><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Basic</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="4%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="82%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net income</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>23,009</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>20,310</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="4%"><FONT face="Times New Roman" size=2>16,129</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Weighted-average common
      shares outstanding</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>10,297,244</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>10,268,812</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="4%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>10,072,340</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="82%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Basic
      earnings per share</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2.23</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1.98</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="4%"><FONT face="Times New Roman" size=2>1.60</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Diluted</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="4%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Basic net
income</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>23,009</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>20,310</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="4%"><FONT face="Times New Roman" size=2>16,129</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net income effect of
      5.33% convertible</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="4%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;debentures</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="4%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>55</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="82%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Diluted net
    income</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>23,009</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>20,310</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="4%"><FONT face="Times New Roman" size=2>16,184</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Weighted-average common
      shares outstanding</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>10,297,244</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>10,268,812</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="4%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>10,072,340</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effect of dilutive
      restricted stock, stock</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="4%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;options
      and SARs</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>135,138</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>123,521</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="4%"><FONT face="Times New Roman" size=2>136,862</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Effect of convertible
      debentures</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="4%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>102,274</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Weighted-average common
      shares outstanding</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="4%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="82%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;assuming
      dilution</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>10,432,382</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>10,392,333</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="4%"><FONT face="Times New Roman" size=2>10,311,476</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Diluted
      earnings per share</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2.21</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.95</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="4%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.57</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>All share and per share
data have been restated to give effect to the 10% stock dividend issued on
December 15, 2011.</FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Note
10<BR></FONT></B><B><FONT face="Times New Roman" size=2>Employee Benefit
Plans</FONT></B></P>
<P align=justify><I><FONT face="Times New Roman" size=2>Defined Benefit
Plan<BR></FONT></I><FONT face="Times New Roman" size=2>The Company has a
noncontributory defined-benefit pension plan (the &#147;Plan&#148;), 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.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>A summary of the activity
in the Plan&#146;s projected benefit obligation, assets, funded status and amounts
recognized in the Company&#146;s consolidated balance sheets is as follows:
</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="11%" colSpan=7><B><FONT face="Times New Roman" size=2>December
      31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="88%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Projected benefit obligation:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Balance, January
    1</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>43,337</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36,588</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Service cost</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,073</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,771</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest cost</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,423</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,290</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Actuarial loss</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,357</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,853</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="88%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Benefits paid</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(1,218</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(1,165</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Balance, December
      31</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>53,972</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>43,337</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"><FONT face="Times New Roman" size=2>Plan
      assets:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Fair value, January
      1</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>45,427</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>33,362</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Actual return</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>686</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>3,880</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Employer
      contribution</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,000</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,350</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="88%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Benefits paid</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(1,218</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(1,165</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Fair value, December
      31</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>53,895</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>45,427</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"><FONT face="Times New Roman" size=2>Funded status:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="3%">&nbsp;</TD>
    <TD noWrap align=left width="1%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Accrued pension asset
      (liability)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(77</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,090</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>The following represent the
major assumptions used to determine the projected benefit obligation of the
Plan. For 2011, 2010 and 2009 the Plan&#146;s expected benefit cash flows were
discounted using the Citibank Above Median Curve.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="28%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="42%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="10%"><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="9%"><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="8%"><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="28%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Weighted average discount rate</FONT></TD>
    <TD noWrap align=right width="42%" bgColor=#c0c0c0></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="10%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4.75%</FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="TEXT-ALIGN: center" noWrap width="9%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5.75%</FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="TEXT-ALIGN: center" noWrap width="8%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6.25%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="28%"><FONT face="Times New Roman" size=2>Rate
      of increase in compensation levels</FONT></TD>
    <TD noWrap align=right width="42%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="10%"><FONT face="Times New Roman" size=2>4.00%</FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"><FONT face="Times New Roman" size=2></FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="9%"><FONT face="Times New Roman" size=2>4.00%</FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="TEXT-ALIGN: center" noWrap width="8%"><FONT face="Times New Roman" size=2>4.00%</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>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: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="60%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="96%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Amount</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2012</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,315,000</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%"><FONT face="Times New Roman" size=2>2013</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,359,000</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2014</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,512,000</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%"><FONT face="Times New Roman" size=2>2015</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,640,000</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2016</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,855,000</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%"><FONT face="Times New Roman" size=2>2017-2021</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>13,025,000</FONT></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2>38 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2>The Plan&#146;s pension cost
included the following components: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="17%" colSpan=11><B><FONT face="Times New Roman" size=2>For the Year Ended</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="17%" colSpan=11><B><FONT face="Times New Roman" size=2>December
      31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="82%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Service cost &#150; benefits earned during the
      year</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,073</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,771</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,606</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>Interest cost on projected benefit obligations</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,423</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,290</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,080</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Expected return on plan assets</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(3,314</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(2,440</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(1,880</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="82%"><FONT face="Times New Roman" size=2>Net amortization and
      deferral</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>603</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>616</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>873</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Net periodic pension
      cost</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,785</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,237</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,679</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>The following represent the
major assumptions used to determine the net pension cost of the Plan:
</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="67%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="10%"><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="10%"><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="10%"><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="67%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Weighted average discount rate</FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="10%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5.75%</FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2></FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="10%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6.25%</FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2></FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="10%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6.50%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="67%"><FONT face="Times New Roman" size=2>Rate
      of increase in compensation levels</FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="10%"><FONT face="Times New Roman" size=2>4.00%</FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"><FONT face="Times New Roman" size=2></FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="10%"><FONT face="Times New Roman" size=2>4.00%</FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%">&nbsp;</TD>
    <TD style="TEXT-ALIGN: center" noWrap width="10%"><FONT face="Times New Roman" size=2>4.00%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="67%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Expected long-term rate of return on
      assets</FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="10%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7.25%</FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="TEXT-ALIGN: center" noWrap width="10%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7.25%</FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="TEXT-ALIGN: center" noWrap width="10%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7.25%</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>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</FONT><FONT face="Times New Roman"> </FONT><FONT face="Times New Roman" size=2>assumed long-term rate of return on assets, which
falls within the expected range, is 7.25% as derived below: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="60%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Expected Long-Term</FONT></B></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="84%"><B><FONT face="Times New Roman" size=2>Asset
    Class</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Return on
      Class</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"><B><FONT face="Times New Roman" size=2>X</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Allocation</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"><B><FONT face="Times New Roman" size=2>=</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%"><B><FONT face="Times New Roman" size=2>Assumption</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Fixed Income</FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4 &#150; 6%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>50%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2.0 &#150; 3.0%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>US
      Equity</FONT></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"><FONT face="Times New Roman" size=2>5 &#150; 9%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"><FONT face="Times New Roman" size=2>34%</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2></FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"><FONT face="Times New Roman" size=2>1.7 &#150; 3.1%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Non-US
Equity</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5 &#150;
      10%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>16%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2></FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>0.8 &#150;
      1.6%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%"><FONT face="Times New Roman" size=2>4.5 &#150;
  7.7%</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>A summary of the fair value
measurements by type of asset is as follows: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="29%" colSpan=17><B><FONT face="Times New Roman" size=2>Fair Value
      Measurements as of December 31</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="14%" colSpan=8><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="14%" colSpan=8><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Quoted Prices</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Quoted Prices</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>in Active</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>in Active</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Markets for</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Significant</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Markets for</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Significant</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Identical</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Observable</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Identical</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Observable</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Assets</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Inputs</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Assets</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Inputs</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="70%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Total</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>(Level
      1)</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>(Level
      2)</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Total</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>(Level
      1)</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>(Level
      2)</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Cash</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>219</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>219</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>203</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>203</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>Equity securities</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;U.
      S. Large Cap Growth</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,497</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,497</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,844</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,844</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;U. S. Large Cap
      Value</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,586</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,586</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>3,853</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>3,853</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;U.
      S. Small/Mid Cap Growth</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,856</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,856</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,594</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,594</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;U. S. Small/Mid Cap
      Value</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,888</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,888</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,597</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,597</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Non-U. S. Core</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>8,470</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>8,470</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,236</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,236</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;U. S. Large Cap
      Passive</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5,387</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5,387</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,542</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,542</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Fixed Income</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="70%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;U. S. Core
      Opportunistic</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>19,410</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>19,410</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>16,227</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>16,227</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="70%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;U. S. Passive</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,582</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,582</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6,331</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6,331</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="70%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>53,895</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>219</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>53,676</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>45,427</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>203</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>45,224</FONT></TD></TR></TABLE><BR>
<P align=justify><I><FONT face="Times New Roman" size=2>Supplemental Executive
Retirement Plan<BR></FONT></I><FONT face="Times New Roman" size=2>The Company
also has an unfunded supplemental executive retirement plan (&#147;SERP&#148;) which
covers key executives of the Company. The SERP is a noncontributory plan in
which the Company&#146;s subsidiaries make accruals designed to fund normal service
costs on a current basis using the same method and criteria as the Plan.
</FONT></P>

<P align=center><FONT face="Times New Roman" size=2>39</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2>A summary of the activity
in the SERP&#146;s projected benefit obligation, funded status and amounts recognized
in the Company&#146;s consolidated balance sheets is as follows: </FONT></P>

<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="92%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="7%" colSpan=7><B><FONT face="Times New Roman" size=2>December
      31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="92%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" colSpan=3><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" colSpan=3><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Benefit obligation:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Balance, January
    1</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>5,479</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>5,369</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Service cost</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>89</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>78</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest cost</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2></FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>295</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>315</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Benefits paid</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(236</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(235</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="92%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Actuarial loss
      (gain)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,807</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(48</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="92%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Balance, December
      31</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,434</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,479</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>The following represent the
major assumptions used to determine the projected benefit obligation of the
SERP. For 2011, 2010 and 2009, the SERP&#146;s expected benefit cash flows were
discounted using the Citigroup Above Median Curve.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="88%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" colSpan=2><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Weighted average discount rate</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4.50</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5.50</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6.00</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"><FONT face="Times New Roman" size=2>Rate
      of increase in compensation levels</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>4.00</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>4.00</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>4.00</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>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:
</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="60%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="96%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><B><FONT face="Times New Roman" size=2>Amount</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2012</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>236,000</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%"><FONT face="Times New Roman" size=2>2013</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>235,000</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2014</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>234,000</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%"><FONT face="Times New Roman" size=2>2015</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>233,000</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2016</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>245,000</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="96%"><FONT face="Times New Roman" size=2>2017-2021</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,714,000</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>The SERP&#146;s pension cost
included the following components: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="11%" colSpan=8><B><FONT face="Times New Roman" size=2>For the Year
      Ended December 31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="88%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" colSpan=2><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Service cost &#150; benefits earned during the
      year</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>89</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>78</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>33</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"><FONT face="Times New Roman" size=2>Interest cost on projected benefit obligations</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>295</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>315</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>278</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Net amortization and
      deferral</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>250</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>258</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>130</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="88%"><FONT face="Times New Roman" size=2>Net periodic pension
      cost</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>634</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>651</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>441</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>The pre-tax amounts in
accumulated other comprehensive loss as of December 31, were as follows:
</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=5><B><FONT face="Times New Roman" size=2>The
      Plan</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=5><B><FONT face="Times New Roman" size=2>SERP</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="88%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Prior service cost</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>24</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>33</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>50</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="88%"><FONT face="Times New Roman" size=2>Net actuarial
    loss</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>21,376</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>11,985</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>3,802</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>2,194</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>21,400</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12,018</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,802</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,244</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>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.
</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>40</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>Note
11<BR></FONT></B><B><FONT face="Times New Roman" size=2>Stock-based
Compensation</FONT></B><B><I><FONT face="Times New Roman" size=2>
</FONT></I></B></P>
<P align=justify><FONT face="Times New Roman" size=2>In 2007, the Company&#146;s
shareholders approved the Omnibus Incentive Stock Plan (&#147;the Omnibus Plan&#148;) 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&#146;s shareholders. The Omnibus Plan permits the issuance of up to 968,000
shares of the Company&#146;s common stock in the form of stock options, stock
appreciation rights, restricted stock, restricted stock units and performance
awards.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>All share and per share
data have been restated to give effect to the 10% stock dividend issued on
December 15, 2011.</FONT></P>
<P align=justify><I><FONT face="Times New Roman" size=2>Restricted
Stock<BR></FONT></I><FONT face="Times New Roman" size=2>Changes in restricted
shares outstanding for the year ended December 31, 2011 were as follows:
</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="91%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Shares</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" colSpan=2><B><FONT face="Times New Roman" size=2>Fair
      Value</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Balance at December 31, 2010</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>55,297</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>25.92</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Granted</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>28,611</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>33.05</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="91%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Vested</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(31,438</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>25.84</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="91%"><FONT face="Times New Roman" size=2>Balance at December 31,
      2011</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>52,470</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>29.86</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>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. </FONT></P>
<P align=justify><I><FONT face="Times New Roman" size=2>Stock Options
<BR></FONT></I><FONT face="Times New Roman" size=2>Changes in options
outstanding for the year ended December 31, 2011 were as follows: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="90%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Weighted Average</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="90%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Shares</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Exercise
      Price</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Balance at December 31, 2010</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>40,290</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>16.05</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="90%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Exercised</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(9,662</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>13.22</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Balance at December
      31, 2011</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>30,628</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>17.79</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="90%"><FONT face="Times New Roman" size=2>Exercisable at December
      31, 2011</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>26,954</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>17.65</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>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.
</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>A summary of the activity
of the non-vested options during 2011 is shown below.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="90%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Weighted Average</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="90%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Shares</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Grant Date
      Fair Value</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Non-vested at December 31, 2010</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>13,684</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2.67</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="90%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Vested</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(10,010</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2.67</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Non-vested at December
      31, 2011</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,674</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2.69</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>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. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>41</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><I><FONT face="Times New Roman" size=2>Stock Appreciation
Rights (SARs)<BR></FONT></I><FONT face="Times New Roman" size=2>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. </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="90%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%">&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="8%" colSpan=2><B><FONT face="Times New Roman" size=2>Year Ended December 31,
      2011</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Risk-free interest rate</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2.70%</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%"><FONT face="Times New Roman" size=2>Expected life</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="5%"><FONT face="Times New Roman" size=2>7
      yrs.</FONT></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Expected volatility</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>27.86%</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="90%"><FONT face="Times New Roman" size=2>Expected dividend
      yield</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="5%"><FONT face="Times New Roman" size=2>1.77%</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="3%"></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>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&#146;s stock. The expected dividend
yield is determined based on the Company&#146;s current rate of annual dividends.
</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="85%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Shares</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="9%" colSpan=2><B><FONT face="Times New Roman" size=2>Weighted
      Average <BR>Exercise Price</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Balance at December 31, 2010</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>265,911</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>
      <P><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P></TD>
    <TD noWrap align=right width="8%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>24.85</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Granted</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>82,508</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="8%"><FONT face="Times New Roman" size=2>32.95</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="85%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Exercised</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(15,833</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>24.81</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="85%"><FONT face="Times New Roman" size=2>Balance at December 31,
      2011</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>332,586</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>26.87</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="85%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Exercisable at
      December 31, 2011</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>188,265</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="8%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>24.97</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>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. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Note
12<BR></FONT></B><B><FONT face="Times New Roman" size=2>Other Operating
Expense</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Details of other operating
expense are as follows: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="85%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="14%" colSpan=8><B><FONT face="Times New Roman" size=2>For the Years
      Ended December 31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="85%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Postage and supplies</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,239</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,031</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,171</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%"><FONT face="Times New Roman" size=2>Promotional expense</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,646</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,588</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,508</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Professional fees</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,141</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,892</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,388</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%"><FONT face="Times New Roman" size=2>Outside service fees</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,628</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,282</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,956</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Data processing services</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>362</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>356</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>339</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="85%"><FONT face="Times New Roman" size=2>Telecommunications</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>641</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>627</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>550</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="85%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Other</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,849</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,987</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,893</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="85%"><FONT face="Times New Roman" size=2>Total other operating
      expense</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>12,506</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>10,763</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>9,805</FONT></TD></TR></TABLE><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>Note 13<BR>Income
Taxes</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The components of income
tax expense (benefit) are as follows: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="84%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="15%" colSpan=9><B><FONT face="Times New Roman" size=2>For the Years
      Ended December 31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="84%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Current:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Federal</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5,372</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5,435</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5,458</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;State</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>980</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>920</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>597</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>Deferred:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Federal</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,983</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,178</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(602</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="84%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;State</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>162</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>90</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(48</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total income tax
      expense</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>8,497</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,623</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,405</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2>42</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2>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:
</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="82%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="17%" colSpan=11><B><FONT face="Times New Roman" size=2>For the
      Years Ended December 31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="82%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Expected income tax expense</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11,027</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,777</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,322</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>(Reductions) increases resulting from:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tax-exempt
    income</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(3,760</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(3,273</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(2,798</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;State taxes, net of
      federal benefit</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>742</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>657</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>694</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Other, net</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>488</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>462</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>187</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="82%"><FONT face="Times New Roman" size=2>Total income tax
      expense</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>8,497</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>7,623</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5,405</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>The tax effects of
temporary differences which give rise to significant portions of the deferred
tax assets and deferred tax liabilities are presented below:</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="92%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="7%" colSpan=7><B><FONT face="Times New Roman" size=2>December
      31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="92%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" colSpan=3><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="3%" colSpan=3><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Deferred tax assets:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Allowance for loan
      losses</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>4,912</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>4,419</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ASC 715 pension funding
      liability</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,679</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,452</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net operating loss
      carryforward<SUP>1</SUP></FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>384</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>421</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Stock
    compensation</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>834</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>731</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Supplemental executive
      retirement plan accrual</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>634</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>474</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="92%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>454</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>288</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="92%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total
      deferred tax assets</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>16,897</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>11,785</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Deferred tax liabilities:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Premises and
      equipment</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(440</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(352</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pension</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(7,327</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(4,499</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Intangible/assets</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(752</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(652</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Unrealized gain on
      investment in securities available-for-sale</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(6,922</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(3,024</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="92%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(315</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>(300</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="92%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total
      deferred tax liabilities</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(15,756</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(8,827</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="92%"><FONT face="Times New Roman" size=2>Net deferred tax
      assets</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,141</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>2,958</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD></TR></TABLE>
<TABLE style="TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD width="100%"></TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2><SUP>1</SUP></FONT></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>&nbsp;</FONT></TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" width="100%"><FONT face="Times New Roman" size=2>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&#146;s use to approximately $122,000 per
      year during the carry forward period, which expires in
  2020.</FONT></TD></TR></TABLE>
<P align=justify><FONT face="Times New Roman" size=2>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&#146;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. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The reconciliation of the
beginning unrecognized tax benefits balance to the ending balance is presented
in the following table:</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="82%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Balance at January 1</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,877</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,750</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,399</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Changes in unrecognized
      tax benefits as a result of
      tax<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;positions
      taken during a prior year</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>287</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>560</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>119</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Changes in unrecognized
      tax benefits as a result of
      tax<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;position
      taken during the current year</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>475</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>555</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>387</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Decreases in unrecognized
      tax benefits relating
      to<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;settlements
      with taxing authorities</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(466</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Reductions to
      unrecognized tax benefits as a result of
      a<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;lapse
      of the applicable statute of limitations</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(570</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(522</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(155</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="82%"><FONT face="Times New Roman" size=2>Balance at December
      31</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,069</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,877</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,750</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>At December 31, 2011, 2010
and 2009, the balance of the Company&#146;s unrecognized tax benefits which would, if
recognized, affect the Company&#146;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.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>43</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2>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&#146;s policy is to record interest and
penalties related to unrecognized tax benefits as a component of income tax
expense.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company is subject to
income tax in the U. S. federal jurisdiction, numerous state jurisdictions, and
a foreign jurisdiction. The Company&#146;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. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Note
14<BR>Contingencies</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>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&#146;s bankruptcy
filing. The Company processed and paid the freight carrier bills for Linens N&#146;
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&#146; 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.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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.</FONT><FONT face="Times New Roman" size=1> </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Note
15<BR></FONT></B><B><FONT face="Times New Roman" size=2>Disclosures about
Financial Instruments</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>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&#146;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.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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&#146;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&#146;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.
</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>44 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><FONT face="Times New Roman" size=2>The following table shows
conditional commitments to extend credit, standby letters of credit and
commercial letters: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="90%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="9%" colSpan=5><B><FONT face="Times New Roman" size=2>December
      31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="90%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Conditional commitments to extend
      credit</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>10,485</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>33,031</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="90%"><FONT face="Times New Roman" size=2>Standby letters of credit</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>22,302</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>23,587</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="90%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Commercial letters of
      credit</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,518</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,821</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>Following is a summary of
the carrying amounts and fair values of the Company&#146;s financial
instruments:</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="11%" colSpan=11><B><FONT face="Times New Roman" size=2>December
      31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=5><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=5><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Carrying</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Carrying</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="88%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Amount</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Fair
      Value</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Amount</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Fair
      Value</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Balance sheet assets:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Cash and cash
      equivalents</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>235,962</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>235,962</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>138,929</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>138,929</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Investment in
      securities</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>310,612</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>310,612</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>264,569</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>264,569</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans, net</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>658,611</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>665,348</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>696,742</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>710,294</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued interest
      receivable</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6,125</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6,125</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,857</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,857</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="88%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,211,310</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,218,047</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,106,097</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,119,649</FONT></TD></TR>
  <TR>
    <TD align=left width="100%" colSpan=13>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Balance sheet liabilities:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deposits</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>548,368</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>548,985</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>518,590</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>518,733</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accounts and drafts
      payable</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>595,201</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>595,201</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>516,107</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>516,107</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Short-term
      borrowings</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>9</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>9</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Accrued interest
      payable</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>159</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>159</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>208</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>208</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="88%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,143,728</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,144,345</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,034,914</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,035,057</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>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: </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Cash and Other
Short-term Instruments</FONT></B><FONT face="Times New Roman" size=2> 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. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Investment in
Securities</FONT></B><FONT face="Times New Roman" size=2> Fair values are
measured using Level 2 valuations. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Loans</FONT></B><FONT face="Times New Roman" size=2> 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. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Deposits</FONT></B><FONT face="Times New Roman" size=2> 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. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Commitments to Extend
Credit and Standby Letters of Credit</FONT></B><FONT face="Times New Roman" size=2> 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.
</FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Limitations</FONT></B><FONT face="Times New Roman" size=2> 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. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Because no market exists
for a significant portion of the Company&#146;s financial instruments, fair value
estimates are based on management&#146;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. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>45</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>Note
16<BR></FONT></B><B><FONT face="Times New Roman" size=2>Industry Segment
Information</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>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.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company&#146;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.</FONT><FONT face="Times New Roman" size=1> </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>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&#146;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&#146;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. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Summarized information
about the Company&#146;s operations in each industry segment for the years ended
December 31, 2011, 2010 and 2009, is as follows: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="10%" colSpan=3><B><FONT face="Times New Roman" size=2>Corporate,</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Information</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Banking</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="10%" colSpan=3><B><FONT face="Times New Roman" size=2>Eliminations</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="73%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Services</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Services</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="10%" colSpan=3><B><FONT face="Times New Roman" size=2>and
      Other</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Total</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><B><I><FONT face="Times New Roman" size=2>2011</FONT></I></B></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="8%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>Fee
      revenue and other income:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="8%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income
      from customers</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>61,470</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,354</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="8%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>62,824</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Intersegment
      income (expense)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>10,088</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,859</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="8%"><FONT face="Times New Roman" size=2>(11,947</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Net interest income (expense) after
      provision<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;for loan
      losses:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="8%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income
      from customers</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>21,030</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>22,681</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="8%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>43,711</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Intersegment
      income (expense)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>17</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(17</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="8%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>Depreciation and amortization</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,874</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>164</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="8%"><FONT face="Times New Roman" size=2>24</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,062</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Income taxes</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,028</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,469</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="8%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>8,497</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>Net
      income</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>14,716</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>8,293</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="8%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>23,009</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Goodwill</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,335</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>136</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="8%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,471</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>Other intangible assets, net</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>161</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="8%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>161</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total assets</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>698,685</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>622,996</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="8%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(2,380</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,319,301</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><B><I><FONT face="Times New Roman" size=2>2010</FONT></I></B></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="8%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Fee revenue and other income:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="8%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income
      from customers</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>54,732</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,414</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="8%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>56,146</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Intersegment
      income (expense)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>8,939</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,656</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="8%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(10,595</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>Net
      interest income (expense) after
      provision<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;for loan
      losses:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="8%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income
      from customers</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>19,381</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>20,690</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="8%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>40,071</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Intersegment
      income (expense)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>23</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(23</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="8%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Depreciation and amortization</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,875</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>242</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="8%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>14</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,131</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>Income taxes</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,955</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,668</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="8%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>7,623</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Net income</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>13,220</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,090</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="8%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>20,310</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>Goodwill</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>7,335</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>136</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="8%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>7,471</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Other intangible assets, net</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>268</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="8%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>268</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="73%"><FONT face="Times New Roman" size=2>Total assets</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>612,981</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>580,948</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="8%"><FONT face="Times New Roman" size=2>(5,894</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,188,035</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><B><I><FONT face="Times New Roman" size=2>2009</FONT></I></B></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="8%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>Fee
      revenue and other income:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="8%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income
      from customers</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>49,913</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,325</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="8%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>51,238</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Intersegment
      income (expense)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>6,964</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,632</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="8%"><FONT face="Times New Roman" size=2>(8,596</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Net interest income (expense) after
      provision<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;for loan
      losses:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="8%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income
      from customers</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>19,220</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>17,461</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="8%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>36,681</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Intersegment
      income (expense)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>94</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(94</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="8%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>Depreciation and amortization</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,147</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>305</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="8%"><FONT face="Times New Roman" size=2>13</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,465</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Income taxes</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,158</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,247</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="8%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,405</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>Net
      income</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>11,047</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>5,082</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="8%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>16,129</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Goodwill</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,335</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>136</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="8%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,471</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>Other intangible assets, net</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>375</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="8%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>375</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total assets</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>527,897</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>496,286</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="8%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(11,202</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,012,981</FONT></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2>46</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>Note
17</FONT></B><BR><B><FONT face="Times New Roman" size=2>Subsequent Events
</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>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&#146;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. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Note
18<BR></FONT></B><B><FONT face="Times New Roman" size=2>Condensed Financial
Information of Parent Company</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Following are the condensed
balance sheets of the Company (parent company only) and the related condensed
statements of income and cash flows.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="94%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="5%" colSpan=5><B><FONT face="Times New Roman" size=2>Condensed Balance Sheets</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="94%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=5><B><FONT face="Times New Roman" size=2>December
      31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="94%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="94%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Assets</FONT></B></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="94%"><FONT face="Times New Roman" size=2>Cash
      and due from banks</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>26,986</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>17,842</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="94%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Short-term investments</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>95,043</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>61,775</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="94%"><FONT face="Times New Roman" size=2>Securities available-for-sale, at fair value</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>310,612</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>264,569</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="94%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Loans, net</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>173,854</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>193,622</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="94%"><FONT face="Times New Roman" size=2>Investments in subsidiary</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>58,582</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>52,091</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="94%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Premises and equipment, net</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,305</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>9,093</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="94%"><FONT face="Times New Roman" size=2>Other assets</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>93,582</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>66,080</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="94%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total
      assets</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>767,964</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>665,072</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="94%"><B><FONT face="Times New Roman" size=2>Liabilities and Shareholders&#146; Equity</FONT></B></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="94%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Liabilities:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="94%"><FONT face="Times New Roman" size=2>Accounts and drafts payable</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>595,201</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>516,107</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="94%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Other liabilities</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12,183</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6,871</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="94%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total
    liabilities</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>607,384</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>522,978</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="94%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total shareholders&#146;
      equity</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>160,580</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>142,094</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="94%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total
      liabilities and shareholders&#146; equity</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>767,964</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>665,072</FONT></TD></TR></TABLE><BR>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="91%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="8%" colSpan=8><B><FONT face="Times New Roman" size=2>Condensed Statement of
  Income</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="8%" colSpan=8><B><FONT face="Times New Roman" size=2>For the Years
      Ended December 31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="91%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Income from subsidiary:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Interest</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>18</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>24</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>115</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Management fees</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,794</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,849</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,882</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income
      from subsidiary</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,812</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,873</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1,997</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Information services revenue</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>60,688</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>54,183</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>48,665</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%"><FONT face="Times New Roman" size=2>Net
      interest income after provision</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>19,933</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>18,373</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>18,157</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Gain on sales of investment
    securities</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>43</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>697</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%"><FONT face="Times New Roman" size=2>Other income</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>701</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>549</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>551</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total
      income</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>83,177</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>74,978</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>70,067</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%"><FONT face="Times New Roman" size=2>Expenses:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Salaries and employee
      benefits</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>50,296</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>45,598</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>45,172</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other expenses</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>14,462</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>13,205</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>11,690</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total
      expenses</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>64,758</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>58,803</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>56,862</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%"><FONT face="Times New Roman" size=2>Income before income tax and equity in undistributed
      income<BR>&nbsp;&nbsp;&nbsp;&nbsp;of subsidiary</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>18,419</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>16,175</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>13,205</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Income tax expense</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>3,156</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,955</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2,158</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%"><FONT face="Times New Roman" size=2>Income before undistributed income of subsidiary</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>15,263</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>13,220</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>11,047</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Equity in undistributed income of
      subsidiary</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,746</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>7,090</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,082</FONT></TD></TR>
  <TR>
    <TD noWrap align=left width="91%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net
      income</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>23,009</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>20,310</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>16,129</FONT></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2>47</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="17%" colSpan=11><B><FONT face="Times New Roman" size=2>Condensed Statements of Cash
    Flows</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="17%" colSpan=11><B><FONT face="Times New Roman" size=2>For the
      Years Ended December 31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="82%"><I><FONT face="Times New Roman" size=2>(In
      thousands)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2011</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2010</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>2009</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Cash flows from operating
    activities:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>Net
      income</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>23,009</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>20,310</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>16,129</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Adjustments to reconcile net income to net
      cash provided<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;by (used in)
      operating activities:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Equity
      in undistributed income of subsidiary</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(7,746</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(7,090</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(5,082</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net
      change in other assets</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(19,669</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(4,463</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>187</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net
      change in other liabilities</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,655</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(4,930</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(962</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amortization
      of stock-based awards</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,390</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,472</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1,193</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other,
      net</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(7,497</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(325</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net
      cash (used in) provided by operating activities</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(8,858</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,299</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11,140</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>Cash
      flows from investing activities:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Net increase in securities</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(37,329</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(45,173</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(22,226</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>Net
      (increase) decrease in loans</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>19,068</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(19,911</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>53,364</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Purchases of premises and equipment,
      net</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(2,107</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(1,166</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(901</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net
      cash (used in) provided by investing activities</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(20,368</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(66,250</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>30,237</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Cash flows from financing
    activities:</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>Net
      increase (decrease) in accounts and drafts payable</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>79,094</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>85,856</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(48,774</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Cash dividends paid</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(6,279</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(5,448</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(4,925</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>Purchase of common shares for treasury</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(467</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Other financing activities</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(1,177</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(275</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>603</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net
      cash provided by (used in) financing activities</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>71,638</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>79,666</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>(53,096</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Net increase (decrease) in cash and cash
      equivalents</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>42,412</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>18,715</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>(11,719</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%"><FONT face="Times New Roman" size=2>Cash
      and cash equivalents at beginning of year</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>79,617</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>60,902</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>72,621</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="82%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Cash and cash equivalents at end of
      year</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>122,029</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>79,617</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>60,902</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR></TABLE><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>Note
19<BR></FONT></B><B><FONT face="Times New Roman" size=2>SUPPLEMENTARY FINANCIAL
INFORMATION<BR></FONT></B><FONT face="Times New Roman" size=2>(Unaudited)
</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="75%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>First</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Second</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Third</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Fourth</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="75%"><I><FONT face="Times New Roman" size=2>(In thousands except
      per share data)</FONT></I></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Quarter</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Quarter</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Quarter</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>Quarter</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; TEXT-ALIGN: center" noWrap width="4%" colSpan=2><B><FONT face="Times New Roman" size=2>YTD</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="75%" bgColor=#c0c0c0><B><I><FONT face="Times New Roman" size=2>2011</FONT></I></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%" bgColor=#c0c0c0></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%" bgColor=#c0c0c0></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%" bgColor=#c0c0c0></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%" bgColor=#c0c0c0></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%" bgColor=#c0c0c0></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%" bgColor=#c0c0c0></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%" bgColor=#c0c0c0></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%" bgColor=#c0c0c0></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%" bgColor=#c0c0c0></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%" bgColor=#c0c0c0></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%" bgColor=#c0c0c0></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%" bgColor=#c0c0c0></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%" bgColor=#c0c0c0></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%" bgColor=#c0c0c0></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="75%"><FONT face="Times New Roman" size=2>Fee
      revenue and other income</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>14,832</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>15,783</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>16,447</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>15,762</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>62,824</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="75%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Interest income</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12,904</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12,795</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12,494</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12,042</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>50,235</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="75%"><FONT face="Times New Roman" size=2>Interest expense</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,206</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,125</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,060</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>983</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,374</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="75%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest
    income</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11,698</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11,670</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11,434</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11,059</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>45,861</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="75%"><FONT face="Times New Roman" size=2>Provision for loan losses</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>450</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>850</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>550</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>300</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,150</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="75%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Operating expense</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>18,134</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>18,635</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>18,913</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>19,347</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>75,029</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="75%"><FONT face="Times New Roman" size=2>Income tax
    expense</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,227</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,229</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,358</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,683</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>8,497</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="75%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Net income</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,719</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,739</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>6,060</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,491</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>23,009</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="75%"><FONT face="Times New Roman" size=2>Net
      income per share:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="75%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Basic earnings per share</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.55</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.56</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.59</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.53</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2.23</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="75%"><FONT face="Times New Roman" size=2>Diluted earnings per
      share</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.55</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.55</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.58</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.53</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2.21</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="75%" bgColor=#c0c0c0><B><I><FONT face="Times New Roman" size=2>2010</FONT></I></B></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="75%"><FONT face="Times New Roman" size=2>Fee
      revenue and other income</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>13,225</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>13,968</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>14,401</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>14,552</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>56,146</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="75%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Interest income</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11,628</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12,131</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12,489</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>12,798</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>49,046</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="75%"><FONT face="Times New Roman" size=2>Interest expense</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,176</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,199</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,249</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,251</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,875</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="75%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Net interest
    income</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>10,452</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>10,932</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11,240</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>11,547</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>44,171</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="75%"><FONT face="Times New Roman" size=2>Provision for loan losses</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>900</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,150</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>950</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,100</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>4,100</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="75%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Operating expense</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>16,197</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>16,850</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>17,098</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>18,139</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>68,284</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="75%"><FONT face="Times New Roman" size=2>Income tax
    expense</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,831</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,000</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>2,013</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1,779</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>7,623</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="75%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Net income</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,749</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>4,900</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,580</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>5,081</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>20,310</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="75%"><FONT face="Times New Roman" size=2>Net
      income per share:</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="75%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Basic earnings per share</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.46</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.48</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.54</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>.50</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>1.98</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="75%"><FONT face="Times New Roman" size=2>Diluted earnings per
      share</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.46</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.47</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.54</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>.48</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>1.95</FONT></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2>48</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>Report of Independent
Registered Public Accounting Firm</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Board of Directors and
Shareholders<BR>Cass Information Systems, Inc.: </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>We have audited the
accompanying consolidated balance sheets of Cass Information Systems, Inc. and
subsidiaries (the Company) as of December 31, 2011 and 2010, and the related
consolidated statements of income, shareholders&#146; equity and comprehensive
income, and cash flows for each of the years in the three-year period ended
December 31, 2011. These consolidated financial statements are the
responsibility of the Company&#146;s management. Our responsibility is to express an
opinion on these consolidated financial statements based on our audits.
</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>We conducted our audits in
accordance with the standards of the Public Company Accounting Oversight Board
(United States). Those standards require that we plan and perform the audit to
obtain reasonable assurance about whether the financial statements are free of
material misstatement. An audit includes examining, on a test basis, evidence
supporting the amounts and disclosures in the financial statements. An audit
also includes assessing the accounting principles used and significant estimates
made by management, as well as evaluating the overall financial statement
presentation. We believe that our audits provide a reasonable basis for our
opinion. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>In our opinion, the
consolidated financial statements referred to above present fairly, in all
material respects, the financial position of Cass Information Systems, Inc. and
subsidiaries as of December 31, 2011 and 2010, and the results of their
operations and their cash flows for each of the years in the three-year period
ended December 31, 2011, in conformity with U.S. generally accepted accounting
principles.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>We also have audited, in
accordance with the standards of the Public Company Accounting Oversight Board
(United States), the Company&#146;s internal control over financial reporting as of
December 31, 2011 based on criteria established in </FONT><I><FONT face="Times New Roman" size=2>Internal Control &#150; Integrated
Framework</FONT></I><FONT face="Times New Roman" size=2> issued by the Committee
of Sponsoring Organizations of the Treadway Commission (COSO), and our report
dated March 9, 2012 expressed an unqualified opinion on the effectiveness of the
Company&#146;s internal control over financial reporting. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>/s/ KPMG LLP</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>St. Louis,
Missouri<BR>March 9, 2012 </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>49</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<TABLE style="BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="3%"><B><FONT face="Times New Roman" size=2>ITEM 9.&nbsp;</FONT></B></TD>
    <TD vAlign=top align=left width="97%"><B><U><FONT face="Times New Roman" size=2>CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND
      FINANCIAL DISCLOSURE</FONT></U></B></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>None.</FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>ITEM 9A. CONTROLS AND
PROCEDURES </FONT></B></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Conclusion Regarding the
Effectiveness of Disclosure Controls and Procedures </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Under the supervision and
with the participation of our management, including our principal executive
officer and principal financial officer, we conducted an evaluation of our
disclosure controls and procedures, as such term is defined in Rules 13a-15(e)
and 15d-15(e) under the Securities Exchange Act of 1934, as amended (the
&#147;Exchange Act&#148;), as of December 31, 2011. Based on this evaluation, our
principal executive officer and our principal financial officer concluded that
our disclosure controls and procedures were effective as of December 31, 2011.
</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>There have not been changes
in our internal control over financial reporting that occurred during our fourth
fiscal quarter that have materially affected or are reasonably likely to
materially affect our internal control over financial reporting. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Management&#146;s Report on
Internal Control Over Financial Reporting </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Our management is
responsible for establishing and maintaining adequate internal control over
financial reporting, as such term is defined in Exchange Act Rules 13a-15(f) and
15d-15(f). All internal control systems, no matter how well designed, have
inherent limitations. Therefore, even those systems determined to be effective
can provide only reasonable assurance with respect to financial statement
preparation and presentations.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Under the supervision and
with the participation of our management, including our principal executive
officer and principal financial officer, we conducted an evaluation of the
effectiveness of our internal control over financial reporting based on the
framework in </FONT><I><FONT face="Times New Roman" size=2>Internal Control &#150;
Integrated Framework</FONT></I><FONT face="Times New Roman" size=2> issued by
the Committee of Sponsoring Organizations of the Treadway Commission. Based on
our evaluation under this framework, our management concluded that our internal
control over financial reporting was effective as of December 31, 2011.
</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The effectiveness of our
internal control over financial reporting as of December 31, 2011 has been
audited by KPMG LLP, our independent registered public accounting firm. KPMG
LLP&#146;s report, which expresses an unqualified opinion on the effectiveness of our
internal control over financial reporting as of December 31, 2011, is included
below. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>50</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>

<P align=justify><B><FONT face="Times New Roman" size=2>Report of Independent Registered
Public Accounting Firm </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The Board of Directors and
Shareholders<BR>Cass Information Systems, Inc.: </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>We have audited Cass Information
Systems, Inc.&#146;s internal control over financial reporting as of December 31,
2011, based on criteria established in</FONT><I><FONT face="Times New Roman" size=2>
Internal Control &#150; Integrated Framework</FONT></I><FONT face="Times New Roman" size=2>
issued by the Committee of Sponsoring Organizations of the Treadway Commission.
The Company&#146;s management is responsible for maintaining effective internal
control over financial reporting and for its assessment of the effectiveness of
internal control over financial reporting, included in the accompanying
</FONT><I><FONT face="Times New Roman" size=2>Management&#146;s Report on Internal Control
over</FONT></I><FONT face="Times New Roman" size=2> </FONT><I><FONT face="Times New Roman" size=2>Financial Reporting</FONT></I><FONT face="Times New Roman" size=2>. Our
responsibility is to express an opinion on the Company&#146;s internal control over
financial reporting based on our audit. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>We conducted our audit in accordance
with the standards of the Public Company Accounting Oversight Board (United
States). Those standards require that we plan and perform the audit to obtain
reasonable assurance about whether effective internal control over financial
reporting was maintained in all material respects. Our audit included obtaining
an understanding of internal control over financial reporting, assessing the
risk that a material weakness exists, and testing and evaluating the design and
operating effectiveness of internal control based on the assessed risk. Our
audit also included performing such other procedures as we considered necessary
in the circumstances. We believe that our audit provides a reasonable basis for
our opinion. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>A company&#146;s internal control over
financial reporting is a process designed to provide reasonable assurance
regarding the reliability of financial reporting and the preparation of
financial statements for external purposes in accordance with generally accepted
accounting principles. A company&#146;s internal control over financial reporting
includes those policies and procedures that (1) pertain to the maintenance of
records that, in reasonable detail, accurately and fairly reflect the
transactions and dispositions of the assets of the company; (2) provide
reasonable assurance that transactions are recorded as necessary to permit
preparation of financial statements in accordance with generally accepted
accounting principles, and that receipts and expenditures of the company are
being made only in accordance with authorizations of management and directors of
the company; and (3) provide reasonable assurance regarding prevention or timely
detection of unauthorized acquisition, use, or disposition of the company&#146;s
assets that could have a material effect on the financial statements.
</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Because of its inherent limitations,
internal control over financial reporting may not prevent or detect
misstatements. Also, projections of any evaluation of effectiveness to future
periods are subject to the risk that controls may become inadequate because of
changes in conditions, or that the degree of compliance with the policies or
procedures may deteriorate. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>In our opinion, Cass Information
Systems, Inc. maintained, in all material respects, effective internal control
over financial reporting as of December 31, 2011, based on criteria established
in </FONT><I><FONT face="Times New Roman" size=2>Internal Control &#150; Integrated
Framework</FONT></I><FONT face="Times New Roman" size=2> issued by the Committee of
Sponsoring Organizations of the Treadway Commission. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>We also have audited, in accordance
with the standards of the Public Company Accounting Oversight Board (United
States), the consolidated balance sheets of Cass Information Systems, Inc. and
subsidiaries as of December 31, 2011 and 2010, and the related consolidated
statements of income, shareholders&#146; equity and comprehensive income, and cash
flows for each of the years in the three-year period ended December 31, 2011,
and our report dated March 9, 2012 expressed an unqualified opinion on those
consolidated financial statements. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>/s/ KPMG LLP </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>St. Louis, Missouri<BR>March 9, 2012
</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>51 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=justify><B><FONT face="Times New Roman" size=2>ITEM 9B. </FONT></B><B><U><FONT face="Times New Roman" size=2>OTHER INFORMATION</FONT></U></B><B><FONT face="Times New Roman" size=2>
</FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>None. </FONT></P>
<P STYLE="text-align: center"><FONT face="Times New Roman" size=2></FONT><B><U><FONT face="Times New Roman" size=2>PART III.</FONT></U></B><B><FONT face="Times New Roman" size=2> </FONT></B></P>
<P align=justify><B><FONT face="Times New Roman" size=2>ITEM 10. </FONT></B><B><U><FONT face="Times New Roman" size=2>DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE
GOVERNANCE</FONT></U></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Certain information required by this
Item 10 is incorporated herein by reference from the following sections of the
Company&#146;s definitive Proxy Statement for its 2012 Annual Meeting of Shareholders
(&#147;2012 Proxy Statement&#148;), a copy of which will be filed with the SEC no later
than 120 days after the close of the fiscal year: &#147;Election of Directors,&#148;
&#147;Executive Compensation and Related Information,&#148; and &#147;Ownership of Securities&#148;.
</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The Company has adopted a Code of
Conduct and Business Ethics policy, applicable to all Company directors,
executive officers and employees. The policy is publicly available and can be
viewed on the Company&#146;s website at www.cassinfo.com. The Company intends to
satisfy the disclosure requirement under Item 5.05 of Form 8-K regarding the
amendment to, or a waiver of, a provision of this policy that applies to the
Company&#146;s principal executive officer, principal financial officer, principal
accounting officer or controller, or persons performing similar functions, and
that relates to any element of the code of ethics definition enumerated in Item
406(b) of Regulation S-K by posting such information on its website. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>There have been no material changes to
the procedures by which shareholders may recommend nominees to the Board.
</FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>ITEM 11. </FONT></B><B><U><FONT face="Times New Roman" size=2>EXECUTIVE COMPENSATION</FONT></U></B><B><FONT face="Times New Roman" size=2> </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Certain information required pursuant
to this Item 11 is incorporated herein by reference from the sections entitled
&#147;Election of Directors,&#148; &#147;Executive Compensation and Related Information,&#148; and
&#147;Ownership of Securities&#148; of the Company&#146;s 2012 Proxy Statement, a copy of which
will be filed with the SEC no later than 120 days after the close of the fiscal
year.</FONT></P>
<TABLE style="LINE-HEIGHT: normal; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><B><FONT face="Times New Roman" size=2>ITEM
      12.&nbsp; </FONT></B></TD>
    <TD vAlign=top align=left width="98%"><B><FONT face="Times New Roman" size=2><U>SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND
      MANAGEMENT AND RELATED STOCKHOLDER
MATTERS</U></FONT></B></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>Information required pursuant to this
Item 12 is incorporated herein by reference from the sections entitled
&#147;Executive Compensation and Related Information&#148; and &#147;Ownership of Securities&#148;
of the Company&#146;s 2012 Proxy Statement, a copy of which will be filed with the
SEC no later than 120 days after the close of the fiscal year. </FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>Securities Authorized for Issuance
under Equity Compensation Plans </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>The following information is as of
December 31, 2011: </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"><B><FONT face="Times New Roman" size=2>Number of
      securities</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"><B><FONT face="Times New Roman" size=2>remaining available
      for</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="6%" colSpan=2><B><FONT face="Times New Roman" size=2>Weighted-average</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"><B><FONT face="Times New Roman" size=2>future issuance
      under</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"><B><FONT face="Times New Roman" size=2>Number of securities
      to</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="6%" colSpan=2><B><FONT face="Times New Roman" size=2>exercise
      price of</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"><B><FONT face="Times New Roman" size=2>equity
      compensation</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"><B><FONT face="Times New Roman" size=2>be issued upon
      exercise</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="6%" colSpan=2><B><FONT face="Times New Roman" size=2>outstanding</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"><B><FONT face="Times New Roman" size=2>plans
      (excluding</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"><B><FONT face="Times New Roman" size=2>of outstanding
      options,</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="6%" colSpan=2><B><FONT face="Times New Roman" size=2>options,
      warrants</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"><B><FONT face="Times New Roman" size=2>securities reflected
      in</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"><B><FONT face="Times New Roman" size=2>warrants and
      rights</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="6%" colSpan=2><B><FONT face="Times New Roman" size=2>and
      rights</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"><B><FONT face="Times New Roman" size=2>column
  (a))</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="81%"><B><FONT face="Times New Roman" size=2>Plan Category</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="5%"><B><FONT face="Times New Roman" size=2>(a)</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="6%" colSpan=2><B><FONT face="Times New Roman" size=2>(b)</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
    </TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid; text-align: center" noWrap width="5%"><B><FONT face="Times New Roman" size=2>(c)</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Equity compensation
      plans</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>30,628<SUP>1</SUP></FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$<FONT size=3 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </FONT></FONT></TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>17.79</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;
<SUP>1</SUP></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>approved by
    security</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>385,056<SUP>2</SUP></FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>27.28</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>481,728<SUP>2</SUP></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>holders</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD width="100%" colSpan=8>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Equity compensation
      plans</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&#151;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>not approved by
      security</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="81%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>holders</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="5%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="5%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="5%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="81%"><FONT face="Times New Roman" size=2>Total</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="5%"><FONT face="Times New Roman" size=2>415,684</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="5%"><FONT face="Times New Roman" size=2>26.58</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="5%"><FONT face="Times New Roman" size=2>481,728</FONT></TD></TR></TABLE><BR>
<TABLE style="LINE-HEIGHT: normal; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD vAlign=top align=left width="100%" colSpan=3><I><FONT face="Times New Roman" size=2>Note: </FONT></I><FONT face="Times New Roman" size=2>All share and per share data have been
      restated to give effect to the 10% stock dividend issued on December 15,
      2011.</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT face="Times New Roman" size=2><SUP>1</SUP></FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"><SUP><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></SUP></TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Amount disclosed relates
      to the Company&#146;s 1995 Performance-Based Stock Option Plan and 1995
      Restricted Stock Bonus Plan. There will be no more shares or options
      granted under these plans.</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><FONT face="Times New Roman" size=2><SUP>2</SUP></FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD style="BORDER-TOP: #ffffff 2pt solid" vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Amount disclosed relates
      to the 2007 Omnibus Incentive Stock
Plan.</FONT></TD></TR></TABLE>
<BR>
<P align=justify><FONT face="Times New Roman" size=2>Refer to Note 11 to the consolidated
financial statements for information concerning stock options and bonus
plans.</FONT><FONT face="Times New Roman" size=1> </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>52 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<TABLE style="LINE-HEIGHT: normal; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="1%"><B><FONT face="Times New Roman" size=2>ITEM
      13.&nbsp; </FONT></B></TD>
    <TD vAlign=top align=left width="98%"><B><FONT face="Times New Roman" size=2><U>CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND
      DIRECTOR INDEPENDENCE</U></FONT></B></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>Information required by this Item 13 is
incorporated herein by reference from the section entitled &#147;Election of
Directors&#148; of the Company&#146;s 2012 Proxy Statement, a copy of which will be filed
with the SEC no later than 120 days after the close of the fiscal year.
</FONT></P>
<P align=justify><B><FONT face="Times New Roman" size=2>ITEM 14. </FONT></B><B><U><FONT face="Times New Roman" size=2>PRINCIPAL ACCOUNTANT FEES AND SERVICES</FONT></U></B><FONT face="Times New Roman" size=2> </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>Information concerning our principal
accountant&#146;s fees and services is incorporated herein by reference from the
section entitled &#147;Ratification of Appointment of Independent Registered Public
Accounting Firm&#148; of the Company&#146;s 2012 Proxy Statement, a copy of which will be
filed with the SEC no later than 120 days after the close of the fiscal year.
</FONT></P>
<P STYLE="text-align: center"><FONT face="Times New Roman" size=2></FONT><B><U><FONT face="Times New Roman" size=2>PART IV</FONT></U></B><B><FONT face="Times New Roman" size=2>. </FONT></B></P>
<P align=justify><B><FONT face="Times New Roman" size=2>ITEM 15. </FONT></B><B><U><FONT face="Times New Roman" size=2>EXHIBITS AND FINANCIAL STATEMENT
SCHEDULES</FONT></U></B><B><FONT face="Times New Roman" size=2> </FONT></B></P>

<TABLE style="TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(a)</FONT></TD>
    <TD vAlign=top>&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top width="101%" colSpan=4><FONT face="Times New Roman" size=2>The following
      documents are incorporated by reference in or filed as an exhibit to this
      Report:</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top colSpan=6>&nbsp; </TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top noWrap></TD>
    <TD VALIGN="TOP" NOWRAP COLSPAN="2" STYLE="text-align: right"><FONT face="Times New Roman" size=2>(1)&nbsp;and
      (2)</FONT></TD>
    <TD vAlign=top>&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top width="101%"><FONT face="Times New Roman" size=2></FONT><U><FONT face="Times New Roman" size=2>Financial Statements and Financial Statement
      Schedules </FONT></U><BR><FONT face="Times New Roman" size=2>Included in
      Item 8 of this report.</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top colSpan=6>&nbsp; </TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right colSpan=2><FONT face="Times New Roman" size=2>(3)</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>Exhibits listed under
      (b) of this Item 15.</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top colSpan=6>&nbsp; </TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(b)</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%" colSpan=4><U><FONT face="Times New Roman" size=2>Exhibits</FONT></U></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top colSpan=6>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top>&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top align=right><FONT face="Times New Roman" size=2>3.1</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%"><FONT face="Times New Roman" size=2>Restated Articles of
      Incorporation of Registrant, incorporated by reference to Exhibit 4.1 to
      Form S-8 Registration Statement No. 333-44499, filed with the SEC on
      January 20, 1998.</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top colSpan=6>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right><FONT face="Times New Roman" size=2>3.2</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%"><FONT face="Times New Roman" size=2>Articles of Merger of
      Cass Commercial Corporation, incorporated by reference to Exhibit 3.1 to
      the quarterly report on Form 10-Q for the quarter ended September 30, 2006
      (File No. 333 &#150; 44497).</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top colSpan=6>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right><FONT face="Times New Roman" size=2>3.3</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%"><FONT face="Times New Roman" size=2>Second Amended and
      Restated Bylaws of Registrant, incorporated by reference to Exhibit 3.1 to
      the current report on Form 8-K, filed with the SEC on April 18, 2007 (File
      No. 333 &#150; 44497).</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top colSpan=6>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right><FONT face="Times New Roman" size=2>10.1</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%"><FONT face="Times New Roman" size=2>1995 Restricted Stock
      Bonus Plan, as amended to January 19, 1999, including form of Restriction
      Agreement, incorporated by reference to Exhibit 4.3 to Post-Effective
      Amendment No. 2 to Form S-8 Registration Statement No. 33-91456, filed
      with the SEC on February 16, 1999.*</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top colSpan=6>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right><FONT face="Times New Roman" size=2>10.2</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%"><FONT face="Times New Roman" size=2>1995
      Performance-Based Stock Option Plan, as amended to January 19, 1999,
      including forms of Option Agreements, incorporated by reference to Exhibit
      4.3 to Post-Effective Amendment No. 2 to Form S-8 Registration Statement
      No. 33-91568, filed with the SEC on February 16, 1999.*</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;
    </FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right><FONT face="Times New Roman" size=2>10.3</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%"><FONT face="Times New Roman" size=2>Form of Directors&#146;
      Indemnification Agreement, incorporated by reference to Exhibit 10.1 to
      the quarterly report on Form 10-Q for the quarter ended March 31, 2003
      (File No. 333 &#150; 44497).*</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top colSpan=6>&nbsp; </TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right><FONT face="Times New Roman" size=2>10.4</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%"><FONT face="Times New Roman" size=2>Amended and Restated
      2007 Omnibus Incentive Stock Plan, incorporated by reference to Exhibit
      10.1 to the quarterly report on Form 10-Q for the quarter ended September
      30, 2007 (File No. 333-44497).*</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top colSpan=6>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right><FONT face="Times New Roman" size=2>10.5</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%"><FONT face="Times New Roman" size=2>Amendment and
      Restatement of the Supplemental Executive Retirement Plan, incorporated by
      reference to Exhibit 10.2 to the quarterly report on Form 10-Q for the
      quarter ended September 30, 2007 (File No. 333 &#150; 44497).*</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top colSpan=6>&nbsp; </TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right><FONT face="Times New Roman" size=2>10.6</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%"><FONT face="Times New Roman" size=2>Form of Restricted
      Stock Agreement Award Agreement, incorporated by reference to Exhibit 10.3
      to the quarterly report on Form 10-Q for the quarter ended September 30,
      2007 (File No. 333 &#150; 44497).*</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%">&nbsp; </TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right><FONT face="Times New Roman" size=2>10.7</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%"><FONT face="Times New Roman" size=2>Form of Stock
      Appreciation Rights Award Agreement, incorporated by reference to Exhibit
      <FONT face="Times New Roman" size=2>10.4 to the quarterly report on Form
      10-Q for the quarter ended September 30, 2007 (File</FONT> <FONT face="Times New Roman" size=2>No. 333 &#150; 44497).*</FONT></FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%">&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right><FONT face="Times New Roman" size=2>21</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%"><FONT face="Times New Roman" size=2>Subsidiaries of
      registrant.</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%">&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right><FONT face="Times New Roman" size=2>23</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%"><FONT face="Times New Roman" size=2>Consent of
      Independent Registered Public Accounting Firm.</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%">&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right><FONT face="Times New Roman" size=2>31.1</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%"><FONT face="Times New Roman" size=2>Certification
      Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%">&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right><FONT face="Times New Roman" size=2>31.2</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%"><FONT face="Times New Roman" size=2>Certification
      Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%">&nbsp; </TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right><FONT face="Times New Roman" size=2>32.1</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%"><FONT face="Times New Roman" size=2>Certification
      Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of
      <FONT face="Times New Roman" size=2>the Sarbanes-Oxley Act of
      2002.</FONT></FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%">&nbsp; </TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top align=right><FONT face="Times New Roman" size=2>32.2</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="101%"><FONT face="Times New Roman" size=2>Certification
      Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of
      <FONT face="Times New Roman" size=2>the Sarbanes-Oxley Act of
      2002.</FONT></FONT></TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top align=right ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="101%" >&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top align=right ><FONT size=2>101.INS</FONT></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="101%" ><FONT size=2>XBRL INSTANCE DOCUMENT</FONT></TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top align=right ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="101%" >&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top align=right ><FONT size=2>101.SCH</FONT></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="101%" ><FONT size=2>XBRL TAXONOMY EXTENSION SCHEMA</FONT></TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top align=right ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="101%" >&nbsp; </TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top align=right ><FONT size=2>101.PRE</FONT></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="101%" ><FONT size=2>XBRL TAXONOMY EXTENSION PRESENTATION
      LINKBASE</FONT></TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top align=right ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="101%" >&nbsp; </TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top align=right ><FONT size=2>101.LAB</FONT></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="101%" ><FONT size=2>XBRL TAXONOMY EXTENSION LABEL
    LINKBASE</FONT></TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top align=right ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="101%" >&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top align=right ><FONT size=2>101.CAL</FONT></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="101%" ><FONT size=2>XBRL TAXONOMY EXTENSION CALCULATION
      LINKBASE</FONT></TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top align=right ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="101%" >&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top align=right ><FONT size=2>101.DEF</FONT></TD>
    <TD vAlign=top ></TD>
    <TD vAlign=top width="101%" ><FONT size=2>XBRL TAXONOMY EXTENSION DEFINITION
      LINKBASE</FONT></TD></TR></TABLE>____________________<BR>
<P align=justify><FONT face="Times New Roman" size=2>* Management contract or compensatory
plan or arrangement. </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>(c) None.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>53 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=center><B><FONT face="Times New Roman" size=2>SIGNATURES </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>Pursuant to the requirements of the
Securities Exchange Act of 1934, this report has been signed below by the
following persons on behalf of the registrant and in the capacities and on the
dates indicated. </FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="50%"></TD>
    <TD noWrap align=left width="49%" colSpan=3><B><FONT face="Times New Roman" size=2>CASS
      INFORMATION SYSTEMS, INC.</FONT></B></TD></TR>
  <TR>
    <TD width="99%" colSpan=4>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="50%"><FONT face="Times New Roman" size=2>Date:</FONT> <FONT face="Times New Roman" size=2>March 9, 2012</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>By&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="28%"><FONT face="Times New Roman" size=2>/s/
      Eric H. Brunngraber</FONT></TD>
    <TD noWrap style="text-align: center" width="20%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="50%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="28%"><FONT face="Times New Roman" size=2>Eric H. Brunngraber</FONT></TD>
    <TD noWrap style="text-align: center" width="20%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="50%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="28%"><FONT face="Times New Roman" size=2>President and Chief Executive
      Officer</FONT></TD>
    <TD noWrap style="text-align: center" width="20%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="50%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="28%"><FONT face="Times New Roman" size=2>(Principal Executive
    Officer)</FONT></TD>
    <TD noWrap style="text-align: center" width="20%">&nbsp;</TD></TR>
  <TR>
    <TD width="99%" colSpan=4>&nbsp;</TD></TR>
  <TR>
    <TD width="99%" colSpan=4>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="50%"><FONT face="Times New Roman" size=2>Date:</FONT> <FONT face="Times New Roman" size=2>March 9, 2012</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>By</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid; text-align: center" noWrap width="28%"><FONT face="Times New Roman" size=2>/s/
      P. Stephen Appelbaum</FONT></TD>
    <TD noWrap style="text-align: center" width="20%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="50%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="28%"><FONT face="Times New Roman" size=2>P. Stephen Appelbaum</FONT></TD>
    <TD noWrap style="text-align: center" width="20%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="50%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="28%"><FONT face="Times New Roman" size=2>Executive Vice President and Chief
      Financial Officer</FONT></TD>
    <TD noWrap style="text-align: center" width="20%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="50%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap style="text-align: center" width="28%"><FONT face="Times New Roman" size=2>(Principal Financial and Accounting
      Officer)</FONT></TD>
    <TD noWrap style="text-align: center" width="20%">&nbsp;</TD></TR></TABLE>
<P><FONT size=2 face="Times New Roman">Pursuant to the requirements of the Securities Exchange Act of
1934, this report has been signed below on the dates indicated by the following
persons on behalf of the registrant and in their capacity as a member of the
Board of Directors of the Company.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"><FONT face="Times New Roman" size=2>Date:</FONT> <FONT face="Times New Roman" size=2>March 9, 2012</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>By&nbsp;&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      &nbsp;&nbsp;&nbsp;&nbsp; &nbsp; &nbsp;&nbsp; /s/&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="28%"><FONT size=2 face="Times New Roman">K. Dane
    Brooksher</FONT>&nbsp;</TD>
    <TD noWrap align=left width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%">&nbsp;</TD>
    <TD noWrap align=left width="28%"><FONT size=2 face="Times New Roman">K. Dane Brooksher</FONT>&nbsp;</TD>
    <TD noWrap align=left width="19%"></TD></TR>
  <TR>
    <TD width="80%" colSpan=4>&nbsp;</TD>
    <TD width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"><FONT face="Times New Roman" size=2>Date:</FONT> <FONT face="Times New Roman" size=2>March 9, 2012</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>By</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT size=2 face="Times New Roman">/s/&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="28%"><FONT face="Times New Roman" size=2>Eric H. Brunngraber</FONT></TD>
    <TD noWrap align=left width="19%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2></FONT></TD>
    <TD noWrap align=left width="28%"><FONT size=2 face="Times New Roman">Eric H. Brunngraber</FONT>&nbsp;</TD>
    <TD noWrap align=left width="19%"></TD></TR>
  <TR>
    <TD width="80%" colSpan=4>&nbsp;</TD>
    <TD width="19%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"><FONT face="Times New Roman" size=2>Date:</FONT> <FONT face="Times New Roman" size=2>March 9, 2012</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>By</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>/s/&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="28%"><FONT face="Times New Roman" size=2>Bryan S. Chapell</FONT></TD>
    <TD noWrap align=left width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"></TD>
    <TD noWrap align=left width="28%"><FONT face="Times New Roman" size=2>Bryan S. Chapell</FONT></TD>
    <TD noWrap align=left width="19%">&nbsp;</TD></TR>
  <TR>
    <TD width="80%" colSpan=4>&nbsp;</TD>
    <TD width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"><FONT face="Times New Roman" size=2>Date:</FONT> <FONT face="Times New Roman" size=2>March 9, 2012</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>By</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>/s/&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="28%"><FONT face="Times New Roman" size=2>Lawrence A. Collett</FONT></TD>
    <TD noWrap align=left width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"></TD>
    <TD noWrap align=left width="28%"><FONT face="Times New Roman" size=2>Lawrence A. Collett</FONT></TD>
    <TD noWrap align=left width="19%">&nbsp;</TD></TR>
  <TR>
    <TD width="80%" colSpan=4>&nbsp;</TD>
    <TD width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"><FONT face="Times New Roman" size=2>Date:</FONT> <FONT face="Times New Roman" size=2>March 9, 2012</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>By</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>/s/&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="28%"><FONT face="Times New Roman" size=2>Robert A. Ebel</FONT></TD>
    <TD noWrap align=left width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"></TD>
    <TD noWrap align=left width="28%"><FONT face="Times New Roman" size=2>Robert A. Ebel</FONT></TD>
    <TD noWrap align=left width="19%"></TD></TR>
  <TR>
    <TD width="80%" colSpan=4>&nbsp;</TD>
    <TD width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"><FONT face="Times New Roman" size=2>Date:</FONT> <FONT face="Times New Roman" size=2>March 9, 2012</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>By</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>/s/&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="28%"><FONT face="Times New Roman" size=2>Benjamin F. Edwards, IV</FONT></TD>
    <TD noWrap align=left width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"></TD>
    <TD noWrap align=left width="28%"><FONT face="Times New Roman" size=2>Benjamin F. Edwards, IV</FONT></TD>
    <TD noWrap align=left width="19%">&nbsp;</TD></TR>
  <TR>
    <TD width="80%" colSpan=4>&nbsp;</TD>
    <TD width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"><FONT face="Times New Roman" size=2>Date:</FONT> <FONT face="Times New Roman" size=2>March 9, 2012</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>By</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>/s/&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="28%"><FONT face="Times New Roman" size=2>John L. Gillis, Jr.</FONT></TD>
    <TD noWrap align=left width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"></TD>
    <TD noWrap align=left width="28%"><FONT face="Times New Roman" size=2>John L. Gillis, Jr.</FONT></TD>
    <TD noWrap align=left width="19%"></TD></TR>
  <TR>
    <TD width="80%" colSpan=4>&nbsp;</TD>
    <TD width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"><FONT face="Times New Roman" size=2>Date:</FONT> <FONT face="Times New Roman" size=2>March 9, 2012</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>By</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>/s/&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="28%"><FONT face="Times New Roman" size=2>Wayne J. Grace</FONT></TD>
    <TD noWrap align=left width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"></TD>
    <TD noWrap align=left width="28%"><FONT face="Times New Roman" size=2>Wayne J. Grace</FONT></TD>
    <TD noWrap align=left width="19%"></TD></TR>
  <TR>
    <TD width="80%" colSpan=4>&nbsp;</TD>
    <TD width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"><FONT face="Times New Roman" size=2>Date:</FONT> <FONT face="Times New Roman" size=2>March 9, 2012</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>By</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>/s/&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="28%"><FONT face="Times New Roman" size=2>James J. Lindemann</FONT></TD>
    <TD noWrap align=left width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"></TD>
    <TD noWrap align=left width="28%"><FONT face="Times New Roman" size=2>James J. Lindemann</FONT></TD>
    <TD noWrap align=left width="19%"></TD></TR>
  <TR>
    <TD width="80%" colSpan=4>&nbsp;</TD>
    <TD width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"><FONT face="Times New Roman" size=2>Date:</FONT> <FONT face="Times New Roman" size=2>March 9, 2012</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>By</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>/s/&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="28%"><FONT face="Times New Roman" size=2>Randall L. Schilling</FONT></TD>
    <TD noWrap align=left width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"></TD>
    <TD noWrap align=left width="28%"><FONT face="Times New Roman" size=2>Randall L. Schilling</FONT></TD>
    <TD noWrap align=left width="19%"></TD></TR>
  <TR>
    <TD width="80%" colSpan=4>&nbsp;</TD>
    <TD width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"><FONT face="Times New Roman" size=2>Date:</FONT> <FONT face="Times New Roman" size=2>March 9, 2012</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>By</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>/s/&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="28%"><FONT face="Times New Roman" size=2>Andrew J. Signorelli</FONT></TD>
    <TD noWrap align=left width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="3%"></TD>
    <TD noWrap align=left width="28%"><FONT face="Times New Roman" size=2>Andrew J. Signorelli</FONT></TD>
    <TD noWrap align=left width="19%"></TD></TR>
  <TR>
    <TD width="80%" colSpan=4>&nbsp;</TD>
    <TD width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"><FONT face="Times New Roman" size=2>Date:</FONT> <FONT face="Times New Roman" size=2>March 9, 2012</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>By</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="3%"><FONT face="Times New Roman" size=2>/s/&nbsp; </FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="28%"><FONT face="Times New Roman" size=2>Franklin D. Wicks, Jr.</FONT></TD>
    <TD noWrap align=left width="19%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="48%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"></TD>
    <TD noWrap align=left width="28%"><FONT face="Times New Roman" size=2>Franklin D. Wicks, Jr.</FONT></TD>
    <TD noWrap align=left width="19%"></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2>54 </FONT></P>
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<DOCUMENT>
<TYPE>EX-21
<SEQUENCE>2
<FILENAME>exhibit21.htm
<DESCRIPTION>SUBSIDIARIES OF REGISTRANT
<TEXT>

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<P align=right><B><FONT face="Times New Roman" size=2>Exhibit 21 </FONT></B></P>
<P align=center><B><U><FONT face="Times New Roman" size=2>SUBSIDIARIES OF CASS INFORMATION
SYSTEMS, INC.</FONT></U></B><B><FONT face="Times New Roman" size=2>* </FONT></B></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="40%"><U><FONT face="Times New Roman" size=2>Name &amp;
      Address</FONT></U></TD>
    <TD noWrap align=left width="59%"><U><FONT face="Times New Roman" size=2>State of
      Incorporation</FONT></U></TD></TR>
  <TR>
    <TD width="99%" colSpan=2>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="40%"><FONT face="Times New Roman" size=2>Cass Commercial Bank</FONT></TD>
    <TD noWrap align=left width="59%"><FONT face="Times New Roman" size=2>Missouri</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="40%"><FONT face="Times New Roman" size=2>13001 Hollenberg Drive</FONT></TD>
    <TD noWrap align=left width="59%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="40%"><FONT face="Times New Roman" size=2>Bridgeton, Missouri 63044</FONT></TD>
    <TD noWrap align=left width="59%"></TD></TR>
  <TR>
    <TD width="99%" colSpan=2>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="40%"><FONT face="Times New Roman" size=2>Cass International LLC</FONT></TD>
    <TD noWrap align=left width="59%"><FONT face="Times New Roman" size=2>Missouri</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="40%"><FONT face="Times New Roman" size=2>13001 Hollenberg Drive</FONT></TD>
    <TD noWrap align=left width="59%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="40%"><FONT face="Times New Roman" size=2>Bridgeton, Missouri 63044</FONT></TD>
    <TD noWrap align=left width="59%"></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>*Pursuant to Item 601(b)(21)(ii) of
Regulation S-K, the names of particular subsidiaries may be omitted if the
unnamed subsidiaries, considered in the aggregate as a single subsidiary, would
not constitute a significant subsidiary (as such term is defined in Rule 1-02(w)
of Regulation S-X) as of the end of the year covered by this annual report on
Form 10-K. </FONT></P>
<P STYLE="text-align: center"><FONT face="Times New Roman" size=2>55 </FONT></P>
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<DOCUMENT>
<TYPE>EX-23
<SEQUENCE>3
<FILENAME>exhibit23.htm
<DESCRIPTION>CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
<TEXT>

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<P align=right><FONT face="Times New Roman"></FONT><B><FONT face="Times New Roman" size=2>Exhibit 23
</FONT></B></P>
<P align=center><U><FONT face="Times New Roman" size=2>Consent of Independent Registered
Public Accounting Firm</FONT></U><FONT face="Times New Roman" size=2> </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>The Board of Directors<BR>Cass
Information Systems, Inc.: </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>We consent to the incorporation by
reference in the registration statements (Nos. 333-44499, 033-91456, 033-91568,
333-44497 and 333-143411) on Form S-8 of Cass Information Systems, Inc. of our
reports dated March 9, 2012, with respect to the consolidated balance sheets of
Cass Information Systems, Inc. and subsidiaries as of December 31, 2011 and
2010, and the related consolidated statements of income, shareholders&#146; equity
and comprehensive income, and cash flows for each of the years in the three-year
period ended December 31, 2011, and the effectiveness of internal control over
financial reporting as of December 31, 2011, which reports appear in the
December 31, 2011 annual report on Form 10-K of Cass Information Systems,
Inc.</FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>/s/ KPMG LLP </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>St. Louis, Missouri<BR>March 9, 2012
</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>56 </FONT></P>
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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>4
<FILENAME>exhibit31-1.htm
<DESCRIPTION>CERTIFICATION PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002
<TEXT>

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<BR>
<P align=right><B><FONT face="Times New Roman" size=2>Exhibit 31.1</FONT></B></P>
<P align=center><B><FONT face="Times New Roman" size=2>CERTIFICATIONS</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P align=justify><FONT face="Times New Roman" size=2>I, Eric H. Brunngraber, certify
that:</FONT></P>
<TABLE style="TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>1.</FONT></TD>
    <TD vAlign=top>&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top width="100%" colSpan=3><FONT face="Times New Roman" size=2>I have
      reviewed this annual report on Form 10-K of Cass Information Systems,
      Inc.;</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>2.</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%" colSpan=3><FONT face="Times New Roman" size=2>Based on my
      knowledge, this report does not contain any untrue statement of a material
      fact or omit to state a material fact necessary to make the statements
      made, in light of the circumstances under which such statements were made,
      not misleading with respect to the period covered by this
  report;</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>3.</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%" colSpan=3><FONT face="Times New Roman" size=2>Based on my
      knowledge, the financial statements, and other financial information
      included in this report, fairly present in all material respects the
      financial condition, results of operations and cash flows of the
      registrant as of, and for, the periods presented in this
  report;</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>4.</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%" colSpan=3><FONT face="Times New Roman" size=2>The
      registrant&#146;s other certifying officers and I are responsible for
      establishing and maintaining disclosure controls and procedures (as
      defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal
      control over financial reporting (as defined in Exchange Act Rules
      13a-15(f) and 15d-15(f)) for the registrant and have:</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(a)</FONT></TD>
    <TD vAlign=top>&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>Designed such
      disclosure controls and procedures, or caused such disclosure controls and
      procedures to be designed under our supervision, to ensure that material
      information relating to the registrant, including its consolidated
      subsidiaries, is made known to us by others within those entities,
      particularly during the period in which this report is being
      prepared;</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(b)</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>Designed such internal
      control over financial reporting, or caused such internal control over
      financial reporting to be designed under our supervision, to provide
      reasonable assurance regarding the reliability of financial reporting and
      the preparation of financial statements for external purposes in
      accordance with generally accepted accounting principles;</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(c)</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>Evaluated the
      effectiveness of the registrant&#146;s disclosure controls and procedures and
      presented in this report our conclusions about the effectiveness of the
      disclosure controls and procedures, as of the end of the period covered by
      this report based on such evaluation; and</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(d)</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>Disclosed in this
      report any change in the registrant&#146;s internal control over financial
      reporting that occurred during the registrant&#146;s most recent fiscal quarter
      (the registrant&#146;s fourth fiscal quarter in the case of an annual report)
      that has materially affected, or is reasonably likely to materially
      affect, the registrant&#146;s internal control over financial reporting;
      and</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>5.</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%" colSpan=3><FONT face="Times New Roman" size=2>The
      registrant&#146;s other certifying officers and I have disclosed, based on our
      most recent evaluation of internal control over financial reporting, to
      the registrant&#146;s auditors and the audit committee of the registrant&#146;s
      board of directors (or persons performing the equivalent
    functions):</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(a)</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>All significant
      deficiencies and material weaknesses in the design or operation of
      internal control over financial reporting which are reasonably likely to
      adversely affect the registrant&#146;s ability to record, process, summarize
      and report financial information; and</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(b)</FONT></TD>
    <TD></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>Any fraud, whether or not
      material, that involves management or other employees who have a
      significant role in the registrant&#146;s internal control over financial
      reporting.</FONT></TD></TR></TABLE>
<P><FONT size=2 face="Times New Roman">Date: March 9, 2012</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="59%"><FONT face="Times New Roman" size=2></FONT></TD>
    <TD noWrap align=left width="40%" colSpan=2></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="59%"></TD>
    <TD noWrap align=left width="40%" colSpan=2><FONT face="Times New Roman" size=2>/s/ Eric H.
      Brunngraber</FONT></TD></TR>
  <TR>
    <TD width="59%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" width="30%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="59%"></TD>
    <TD noWrap align=left width="40%" colSpan=2><FONT face="Times New Roman" size=2>Eric H.
    Brunngraber</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="59%"></TD>
    <TD noWrap align=left width="40%" colSpan=2><FONT face="Times New Roman" size=2>President and Chief
      Executive Officer</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="59%"></TD>
    <TD noWrap align=left width="40%" colSpan=2><FONT face="Times New Roman" size=2>(Principal Executive
      Officer)</FONT></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2>57 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>5
<FILENAME>exhibit31-2.htm
<DESCRIPTION>CERTIFICATION PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002
<TEXT>

<HTML>
<HEAD>
   <TITLE></TITLE>
</HEAD>

<BODY bgcolor=#ffffff>
<BR>
<P align=right><FONT face="Times New Roman" size=2></FONT><B><FONT face="Times New Roman" size=2>Exhibit
31.2 </FONT></B></P>
<P align=center><B><FONT face="Times New Roman" size=2>CERTIFICATIONS </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>I, P. Stephen Appelbaum, certify
that:</FONT></P>
<TABLE style="TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>1.</FONT></TD>
    <TD vAlign=top>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top width="100%" colSpan=3><FONT face="Times New Roman" size=2>I have
      reviewed this annual report on Form 10-K of Cass Information Systems,
      Inc.;</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>2.</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%" colSpan=3><FONT face="Times New Roman" size=2>Based on my
      knowledge, this report does not contain any untrue statement of a material
      fact or omit to state a material fact necessary to make the statements
      made, in light of the circumstances under which such statements were made,
      not misleading with respect to the period covered by this
  report;</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>3.</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%" colSpan=3><FONT face="Times New Roman" size=2>Based on my
      knowledge, the financial statements, and other financial information
      included in this report, fairly present in all material respects the
      financial condition, results of operations and cash flows of the
      registrant as of, and for, the periods presented in this
  report;</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>4.</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%" colSpan=3><FONT face="Times New Roman" size=2>The
      registrant&#146;s other certifying officers and I are responsible for
      establishing and maintaining disclosure controls and procedures (as
      defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal
      control over financial reporting (as defined in Exchange Act Rules
      13a-15(f) and 15d-15(f)) for the registrant and have:</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(a)</FONT></TD>
    <TD vAlign=top>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>Designed such
      disclosure controls and procedures, or caused such disclosure controls and
      procedures to be designed under our supervision, to ensure that material
      information relating to the registrant, including its consolidated
      subsidiaries, is made known to us by others within those entities,
      particularly during the period in which this report is being
      prepared;</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(b)</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>Designed such internal
      control over financial reporting, or caused such internal control over
      financial reporting to be designed under our supervision, to provide
      reasonable assurance regarding the reliability of financial reporting and
      the preparation of financial statements for external purposes in
      accordance with generally accepted accounting principles;</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(c)</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>Evaluated the
      effectiveness of the registrant&#146;s disclosure controls and procedures and
      presented in this report our conclusions about the effectiveness of the
      disclosure controls and procedures, as of the end of the period covered by
      this report based on such evaluation; and</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(d)</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>Disclosed in this
      report any change in the registrant&#146;s internal control over financial
      reporting that occurred during the registrant&#146;s most recent fiscal quarter
      (the registrant&#146;s fourth fiscal quarter in the case of an annual report)
      that has materially affected, or is reasonably likely to materially
      affect, the registrant&#146;s internal control over financial reporting;
      and</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>5.</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%" colSpan=3><FONT face="Times New Roman" size=2>The
      registrant&#146;s other certifying officers and I have disclosed, based on our
      most recent evaluation of internal control over financial reporting, to
      the registrant&#146;s auditors and the audit committee of the registrant&#146;s
      board of directors (or persons performing the equivalent
    functions):</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(a)</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>All significant
      deficiencies and material weaknesses in the design or operation of
      internal control over financial reporting which are reasonably likely to
      adversely affect the registrant&#146;s ability to record, process, summarize
      and report financial information; and</FONT></TD></TR>
  <TR>
    <TD vAlign=top colSpan=5>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(b)</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>Any fraud, whether or
      not material, that involves management or other employees who have a
      significant role in the registrant&#146;s internal control over financial
      reporting.</FONT></TD></TR></TABLE>
<P><FONT size=2 face="Times New Roman">Date: March 9, 2012</FONT></P>
<P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="59%"><FONT face="Times New Roman" size=2></FONT></TD>
    <TD noWrap align=left width="40%" colSpan=2></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="59%"></TD>
    <TD noWrap align=left width="40%" colSpan=2><FONT face="Times New Roman" size=2>/s/ P. Stephen
      Appelbaum</FONT></TD></TR>
  <TR>
    <TD width="59%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" width="30%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="59%"></TD>
    <TD noWrap align=left width="40%" colSpan=2><FONT face="Times New Roman" size=2>P. Stephen
    Appelbaum</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="59%"></TD>
    <TD noWrap align=left width="40%" colSpan=2><FONT face="Times New Roman" size=2>Executive Vice President
      and Chief Financial Officer</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="59%"></TD>
    <TD noWrap align=left width="40%" colSpan=2><FONT face="Times New Roman" size=2>(Principal Financial and
      Accounting Officer)</FONT></TD></TR></TABLE></P>
<P align=center><FONT face="Times New Roman" size=2>58 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.1
<SEQUENCE>6
<FILENAME>exhibit32-1.htm
<DESCRIPTION>CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350
<TEXT>

<HTML>
<HEAD>
   <TITLE></TITLE>
</HEAD>

<BODY bgcolor=#ffffff>
<BR>
<P align=right><FONT face="Times New Roman" size=2></FONT><B><FONT face="Times New Roman" size=2>Exhibit
32.1 </FONT></B></P>
<P align=center><B><FONT face="Times New Roman" size=2>CERTIFICATION PURSUANT TO<BR>18
U.S.C. SECTION 1350,<BR>AS ADOPTED PURSUANT TO <BR></FONT></B><B><FONT face="Times New Roman" size=2>SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>In connection with the Annual Report of
Cass Information Systems, Inc. (&#147;the Company&#148;) on Form 10-K for the period ended
December 31, 2011, as filed with the Securities and Exchange Commission on the
date hereof (the &#147;Report&#148;), I, Eric H. Brunngraber, President and Chief
Executive Officer of the Company, certify, pursuant to 18 U.S.C. &#167; 1350, as
adopted pursuant to &#167; 906 of the Sarbanes-Oxley Act of 2002, that: </FONT></P>
<TABLE style="TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(1)</FONT></TD>
    <TD vAlign=top>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>The Report fully
      complies with the requirements of section 13(a) or 15(d) of the Securities
      Exchange Act of 1934; and</FONT></TD></TR>
  <TR>
    <TD vAlign=top></TD>
    <TD vAlign=top colSpan=3>&nbsp; </TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(2)</FONT></TD>
    <TD vAlign=top></TD>
    <TD vAlign=top width="100%"><FONT face="Times New Roman" size=2>The information
      contained in the Report fairly presents, in all material respects, the
      financial condition and results of operations of the
  Company.</FONT></TD></TR></TABLE>
<P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="59%"><FONT face="Times New Roman" size=2></FONT></TD>
    <TD noWrap align=left width="40%" colSpan=2></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="59%"></TD>
    <TD noWrap align=left width="40%" colSpan=2><FONT face="Times New Roman" size=2>
      /s/ Eric H. Brunngraber</FONT></TD></TR>
  <TR>
    <TD width="59%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" width="30%">&nbsp;</TD>
    <TD width="10%">&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="59%"></TD>
    <TD noWrap align=left width="40%" colSpan=2><FONT face="Times New Roman" size=2>Eric H.
    Brunngraber</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="59%"></TD>
    <TD noWrap align=left width="40%" colSpan=2><FONT face="Times New Roman" size=2>President and Chief
      Executive Officer</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="59%"></TD>
    <TD noWrap align=left width="40%" colSpan=2><FONT face="Times New Roman" size=2>(Principal Executive
      Officer)</FONT></TD></TR>
  <TR>
    <TD noWrap align=left width="59%"></TD>
    <TD noWrap align=left width="40%" colSpan=2><FONT size=2 face="Times New Roman">March 9, 2012</FONT></TD></TR></TABLE></P>
<P align=justify><FONT face="Times New Roman" size=2>A signed original of this written
statement required by Section 906 has been provided to Cass Information Systems,
Inc. and will be retained by Cass Information Systems, Inc. and furnished to the
Securities and Exchange Commission or its staff upon request. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>59 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.2
<SEQUENCE>7
<FILENAME>exhibit32-2.htm
<DESCRIPTION>CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350
<TEXT>

<HTML>
<HEAD>
   <TITLE></TITLE>
</HEAD>

<BODY bgcolor=#ffffff>
<BR>
<P STYLE="text-align: right"><FONT face="Times New Roman" size=2></FONT><B><FONT face="Times New Roman" size=2>Exhibit 32.2 </FONT></B></P>
<P align=center><B><FONT face="Times New Roman" size=2>CERTIFICATION PURSUANT TO<BR>18
U.S.C. SECTION 1350,<BR>AS ADOPTED PURSUANT TO <BR></FONT></B><B><FONT face="Times New Roman" size=2>SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 </FONT></B></P>
<P align=justify><FONT face="Times New Roman" size=2>In connection with the Annual Report of
Cass Information Systems, Inc. (&#147;the Company&#148;) on Form 10-K for the period ended
December 31, 2011 as filed with the Securities and Exchange Commission on the
date hereof (the &#147;Report&#148;), I, P. Stephen Appelbaum, Chief Financial Officer of
the Company, certify, pursuant to 18 U.S.C. &#167; 1350, as adopted pursuant to &#167; 906
of the Sarbanes-Oxley Act of 2002, that: </FONT></P>
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  <TR>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(1)</FONT></TD>
    <TD>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>The Report fully complies with
      the requirements of section 13(a) or 15(d) of the Securities Exchange Act
      of 1934; and</FONT></TD></TR>
  <TR>
    <TD></TD>
    <TD colSpan=3>&nbsp;</TD></TR>
  <TR>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face="Times New Roman" size=2>(2)</FONT></TD>
    <TD></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>The information contained in the
      Report fairly presents, in all material respects, the financial condition
      and results of operations of the Company.</FONT></TD></TR></TABLE><BR>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="59%"></TD>
    <TD noWrap align=left width="40%" colSpan=2><FONT face="Times New Roman" size=2>
      /s/ P. Stephen Appelbaum</FONT></TD></TR>
  <TR>
    <TD width="59%">&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" width="30%">&nbsp;</TD>
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  <TR vAlign=bottom>
    <TD noWrap align=left width="59%"></TD>
    <TD noWrap align=left width="40%" colSpan=2><FONT face="Times New Roman" size=2>P. Stephen
    Appelbaum</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="59%"></TD>
    <TD noWrap align=left width="40%" colSpan=2><FONT face="Times New Roman" size=2>Executive Vice President
      and Chief Financial Officer</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="59%"></TD>
    <TD noWrap align=left width="40%" colSpan=2><FONT face="Times New Roman" size=2>(Principal Financial and
      Accounting Officer)</FONT></TD></TR>
  <TR>
    <TD noWrap align=left width="59%"></TD>
    <TD noWrap align=left width="40%" colSpan=2><FONT size=2 face="Times New Roman">March 9, 2012</FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face="Times New Roman" size=2>A signed original of this written
statement required by Section 906 has been provided to Cass Information Systems,
Inc. and will be retained by Cass Information Systems, Inc. and furnished to the
Securities and Exchange Commission or its staff upon request. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>60 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

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</TEXT>
</DOCUMENT>
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<TYPE>EX-101.INS
<SEQUENCE>8
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			<xbrli:instant>
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		<xbrli:period>
			<xbrli:instant>
2011-12-31
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		<xbrli:entity>
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		<xbrli:period>
			<xbrli:instant>
2011-12-31
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	<!-- Unit Section  -->
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	<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;
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&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;
&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;$&lt;/font&gt;&lt;/td&gt;
&lt;td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;.46&lt;/font&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;/td&gt;
&lt;td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"&gt;&lt;font style="font-family:times new roman" size="2"&gt;$&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;
&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;.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;
&lt;/tr&gt;
&lt;/table&gt;
&lt;div&gt;&amp;#160;&lt;/div&gt;</us-gaap:AdditionalFinancialInformationDisclosureTextBlock>
	<us-gaap:StockIssuedDuringPeriodValueShareBasedCompensation contextRef="Context_FYE_31-Dec-2009" unitRef="USD" decimals="-3">0</us-gaap:StockIssuedDuringPeriodValueShareBasedCompensation>
	<us-gaap:StockIssuedDuringPeriodValueShareBasedCompensation contextRef="Context_FYE_31-Dec-2009_StatementEquityComponentsAxis_AdditionalPaidInCapitalMember" unitRef="USD" decimals="-3">-910000</us-gaap:StockIssuedDuringPeriodValueShareBasedCompensation>
	<us-gaap:StockIssuedDuringPeriodValueShareBasedCompensation contextRef="Context_FYE_31-Dec-2009_StatementEquityComponentsAxis_TreasuryStockMember" unitRef="USD" decimals="-3">910000</us-gaap:StockIssuedDuringPeriodValueShareBasedCompensation>
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				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.cassinfo.com/role/LoansByType" id="LoansByType">
				<link:definition>011 - Disclosure - Loans by Type</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.cassinfo.com/role/PremisesAndEquipment" id="PremisesAndEquipment">
				<link:definition>012 - Disclosure - Premises and Equipment</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.cassinfo.com/role/IntangibleAssets" id="IntangibleAssets">
				<link:definition>013 - Disclosure - Intangible Assets</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.cassinfo.com/role/InterestBearingDeposits" id="InterestBearingDeposits">
				<link:definition>014 - Disclosure - Interest-Bearing Deposits</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.cassinfo.com/role/SubordinatedConvertibleDebenturesAndUnusedAvailableLinesOfCredit" id="SubordinatedConvertibleDebenturesAndUnusedAvailableLinesOfCredit">
				<link:definition>015 - Disclosure - Subordinated Convertible Debentures and Unused Available Lines of Credit</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.cassinfo.com/role/EarningsPerShare" id="EarningsPerShare">
				<link:definition>016 - Disclosure - Earnings Per Share</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.cassinfo.com/role/DefinedPensionPlans" id="DefinedPensionPlans">
				<link:definition>017 - Disclosure - Defined Pension Plans</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.cassinfo.com/role/Stock-basedCompensation" id="Stock-basedCompensation">
				<link:definition>018 - Disclosure - Stock-Based Compensation</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.cassinfo.com/role/OtherOperatingExpense" id="OtherOperatingExpense">
				<link:definition>019 - Disclosure - Other Operating Expense</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.cassinfo.com/role/IncomeTaxes" id="IncomeTaxes">
				<link:definition>020 - Disclosure - Income Taxes</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.cassinfo.com/role/CommitmentsAndContingencies" id="CommitmentsAndContingencies">
				<link:definition>021 - Disclosure - Commitments and Contingencies</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.cassinfo.com/role/FairValueOfFinancialInstruments" id="FairValueOfFinancialInstruments">
				<link:definition>022 - Disclosure - Fair Value of Financial Instruments</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.cassinfo.com/role/IndustrySegmentInformation" id="IndustrySegmentInformation">
				<link:definition>023 - Disclosure - Industry Segment Information</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.cassinfo.com/role/SubsequentEvents" id="SubsequentEvents">
				<link:definition>024 - Disclosure - Subsequent Events</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.cassinfo.com/role/CondensedFinancialInformationOfParentCompany" id="CondensedFinancialInformationOfParentCompany">
				<link:definition>025 - Disclosure - Condensed Financial Information of Parent Company</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:roleType roleURI="http://www.cassinfo.com/role/SupplementaryFinancialInformation" id="SupplementaryFinancialInformation">
				<link:definition>026 - Disclosure - SUPPLEMENTARY FINANCIAL INFORMATION</link:definition>
				<link:usedOn>link:presentationLink</link:usedOn>
				<link:usedOn>link:definitionLink</link:usedOn>
				<link:usedOn>link:calculationLink</link:usedOn>
			</link:roleType>
			<link:linkbaseRef xlink:type="simple" xlink:href="cass-20111231_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
			<link:linkbaseRef xlink:type="simple" xlink:href="cass-20111231_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
			<link:linkbaseRef xlink:type="simple" xlink:href="cass-20111231_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
			<link:linkbaseRef xlink:type="simple" xlink:href="cass-20111231_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
		</appinfo></annotation>
	<import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
	<import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
	<import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
	<import namespace="http://fasb.org/us-gaap/2011-01-31" schemaLocation="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd"/>
	<import namespace="http://xbrl.sec.gov/invest/2011-01-31" schemaLocation="http://xbrl.sec.gov/invest/2011/invest-2011-01-31.xsd"/>
	<import namespace="http://xbrl.sec.gov/country/2011-01-31" schemaLocation="http://xbrl.sec.gov/country/2011/country-2011-01-31.xsd"/>
	<import namespace="http://xbrl.sec.gov/currency/2011-01-31" schemaLocation="http://xbrl.sec.gov/currency/2011/currency-2011-01-31.xsd"/>
	<import namespace="http://xbrl.sec.gov/exch/2011-01-31" schemaLocation="http://xbrl.sec.gov/exch/2011/exch-2011-01-31.xsd"/>
	<import namespace="http://xbrl.sec.gov/naics/2011-01-31" schemaLocation="http://xbrl.sec.gov/naics/2011/naics-2011-01-31.xsd"/>
	<import namespace="http://xbrl.sec.gov/sic/2011-01-31" schemaLocation="http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd"/>
	<import namespace="http://xbrl.sec.gov/stpr/2011-01-31" schemaLocation="http://xbrl.sec.gov/stpr/2011/stpr-2011-01-31.xsd"/>
	<import namespace="http://www.xbrl.org/2009/role/negated" schemaLocation="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd"/>
	<import namespace="http://www.xbrl.org/2009/role/net" schemaLocation="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd"/>
	<import namespace="http://www.xbrl.org/2009/arcrole/fact-explanatoryFact" schemaLocation="http://www.xbrl.org/lrr/arcrole/factExplanatory-2009-12-16.xsd"/>
	<import namespace="http://xbrl.sec.gov/dei/2011-01-31" schemaLocation="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd"/>
	<import namespace="http://www.xbrl.org/dtr/type/numeric" schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd"/>
	<import namespace="http://www.xbrl.org/dtr/type/non-numeric" schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd"/>
	<element name="DocumentAndEntityInformationAbstract" id="cass_DocumentAndEntityInformationAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="FederalFundsSoldAndOtherShortTermInvestments" id="cass_FederalFundsSoldAndOtherShortTermInvestments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="CashCashEquivalentsFederalFundsSoldAndOtherShortTermInvestments" id="cass_CashCashEquivalentsFederalFundsSoldAndOtherShortTermInvestments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="PaymentsInExcessOfFunding" id="cass_PaymentsInExcessOfFunding" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="AccountsAndDraftsPayable" id="cass_AccountsAndDraftsPayable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="BalanceSheetsParentheticalAbstract" id="cass_BalanceSheetsParentheticalAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="InformationServicesPaymentAndProcessingRevenue" id="cass_InformationServicesPaymentAndProcessingRevenue" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="InterestOnFederalFundsSoldAndOtherShortTermInvestments" id="cass_InterestOnFederalFundsSoldAndOtherShortTermInvestments" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="IncreaseDecreaseInPaymentsInExcessOfFunding" id="cass_IncreaseDecreaseInPaymentsInExcessOfFunding" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="IncreaseDecreaseInNonInterestBearingDemandDeposits" id="cass_IncreaseDecreaseInNonInterestBearingDemandDeposits" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits" id="cass_IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="IncreaseDecreaseInAccountsAndDraftsPayable" id="cass_IncreaseDecreaseInAccountsAndDraftsPayable" type="xbrli:monetaryItemType" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="SharehlodersEquityParantheticalAbstract" id="cass_SharehlodersEquityParantheticalAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="InvestmentInSecuritiesAbstract" id="cass_InvestmentInSecuritiesAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="InvestmentInSecuritiesTextBlock" id="cass_InvestmentInSecuritiesTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="InterestBearingDepositsAbstract" id="cass_InterestBearingDepositsAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="OtherOperatingExpenseAbstract" id="cass_OtherOperatingExpenseAbstract" type="xbrli:stringItemType" abstract="true" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
	<element name="OtherOperatingExpenseTextBlock" id="cass_OtherOperatingExpenseTextBlock" type="nonnum:textBlockItemType" abstract="false" xbrli:periodType="duration" nillable="true" substitutionGroup="xbrli:item"/>
</schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>10
<FILENAME>cass-20111231_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
<!--XBRL Document Modified with Ez-Viewer on Friday, March 09, 2012 06:41:37 AM Document Version 1.1-->
<!--XBRL Document Modified with Ez-Viewer on Friday, March 09, 2012 12:43:27 AM Document Version 1.0-->
<linkbase xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#DocumentAndEntityInformation" roleURI="http://www.cassinfo.com/role/DocumentAndEntityInformation"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#StatementOfFinancialPositionUnclassified-DepositBasedOperations" roleURI="http://www.cassinfo.com/role/StatementOfFinancialPositionUnclassified-DepositBasedOperations"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#Balancesheetsparenthetical" roleURI="http://www.cassinfo.com/role/Balancesheetsparenthetical"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#StatementOfIncomeInterestBasedRevenue" roleURI="http://www.cassinfo.com/role/StatementOfIncomeInterestBasedRevenue"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#StatementOfCashFlowsIndirectDepositBasedOperations" roleURI="http://www.cassinfo.com/role/StatementOfCashFlowsIndirectDepositBasedOperations"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#StatementOfShareholdersEquityAndOtherComprehensiveIncome" roleURI="http://www.cassinfo.com/role/StatementOfShareholdersEquityAndOtherComprehensiveIncome"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#SharehlodersEquityParanthetical" roleURI="http://www.cassinfo.com/role/SharehlodersEquityParanthetical"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#SummaryOfSignificantAccountingPolicies" roleURI="http://www.cassinfo.com/role/SummaryOfSignificantAccountingPolicies"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#CapitalRequirementsAndRegulatoryRestrictions" roleURI="http://www.cassinfo.com/role/CapitalRequirementsAndRegulatoryRestrictions"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#InvestmentInSecurities" roleURI="http://www.cassinfo.com/role/InvestmentInSecurities"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#LoansByType" roleURI="http://www.cassinfo.com/role/LoansByType"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#PremisesAndEquipment" roleURI="http://www.cassinfo.com/role/PremisesAndEquipment"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#IntangibleAssets" roleURI="http://www.cassinfo.com/role/IntangibleAssets"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#InterestBearingDeposits" roleURI="http://www.cassinfo.com/role/InterestBearingDeposits"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#SubordinatedConvertibleDebenturesAndUnusedAvailableLinesOfCredit" roleURI="http://www.cassinfo.com/role/SubordinatedConvertibleDebenturesAndUnusedAvailableLinesOfCredit"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#EarningsPerShare" roleURI="http://www.cassinfo.com/role/EarningsPerShare"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#DefinedPensionPlans" roleURI="http://www.cassinfo.com/role/DefinedPensionPlans"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#Stock-basedCompensation" roleURI="http://www.cassinfo.com/role/Stock-basedCompensation"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#OtherOperatingExpense" roleURI="http://www.cassinfo.com/role/OtherOperatingExpense"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#IncomeTaxes" roleURI="http://www.cassinfo.com/role/IncomeTaxes"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#CommitmentsAndContingencies" roleURI="http://www.cassinfo.com/role/CommitmentsAndContingencies"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#FairValueOfFinancialInstruments" roleURI="http://www.cassinfo.com/role/FairValueOfFinancialInstruments"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#IndustrySegmentInformation" roleURI="http://www.cassinfo.com/role/IndustrySegmentInformation"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#SubsequentEvents" roleURI="http://www.cassinfo.com/role/SubsequentEvents"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#CondensedFinancialInformationOfParentCompany" roleURI="http://www.cassinfo.com/role/CondensedFinancialInformationOfParentCompany"/>
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#SupplementaryFinancialInformation" roleURI="http://www.cassinfo.com/role/SupplementaryFinancialInformation"/>
	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedLabel" roleURI="http://www.xbrl.org/2009/role/negatedLabel"/>
	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodEndLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodEndLabel"/>
	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedPeriodStartLabel" roleURI="http://www.xbrl.org/2009/role/negatedPeriodStartLabel"/>
	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTotalLabel" roleURI="http://www.xbrl.org/2009/role/negatedTotalLabel"/>
	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" roleURI="http://www.xbrl.org/2009/role/negatedNetLabel"/>
	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" roleURI="http://www.xbrl.org/2009/role/netLabel"/>
	<presentationLink xlink:type="extended" xlink:role="http://www.cassinfo.com/role/DocumentAndEntityInformation">
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_DocumentAndEntityInformationAbstract" xlink:label="loc_cass_DocumentAndEntityInformationAbstract_0"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StatementTable" xlink:label="loc_us-gaap_StatementTable_1"/>
		<presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_cass_DocumentAndEntityInformationAbstract_0" xlink:to="loc_us-gaap_StatementTable_1" order="0" use="optional" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StatementLineItems" xlink:label="loc_us-gaap_StatementLineItems_2"/>
		<presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementTable_1" xlink:to="loc_us-gaap_StatementLineItems_2" order="0" use="optional" preferredLabel="http://www.xbrl.org/2003/role/verboseLabel"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityRegistrantName" xlink:label="loc_dei_EntityRegistrantName_3"/>
		<presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_2" xlink:to="loc_dei_EntityRegistrantName_3" order="0" use="optional"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="loc_dei_EntityCentralIndexKey_4"/>
		<presentationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/parent-child" xlink:from="loc_us-gaap_StatementLineItems_2" xlink:to="loc_dei_EntityCentralIndexKey_4" order="10" use="optional"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:label="loc_dei_CurrentFiscalYearEndDate_5"/>
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<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>11
<FILENAME>cass-20111231_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
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	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedNetLabel" roleURI="http://www.xbrl.org/2009/role/negatedNetLabel"/>
	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/negated-2009-12-16.xsd#negatedTerseLabel" roleURI="http://www.xbrl.org/2009/role/negatedTerseLabel"/>
	<roleRef xlink:type="simple" xlink:href="http://www.xbrl.org/lrr/role/net-2009-12-16.xsd#netLabel" roleURI="http://www.xbrl.org/2009/role/netLabel"/>
	<labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_DocumentAndEntityInformationAbstract" xlink:label="loc_cass_DocumentAndEntityInformationAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cass_DocumentAndEntityInformationAbstract" xml:lang="en-US">Document and Entity Information [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_cass_DocumentAndEntityInformationAbstract" xml:lang="en-US">Document and Entity Information [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_cass_DocumentAndEntityInformationAbstract" xml:lang="en-US">Document And Entity Information</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cass_DocumentAndEntityInformationAbstract" xlink:to="lab_cass_DocumentAndEntityInformationAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StatementTable" xlink:label="loc_us-gaap_StatementTable"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StatementTable" xml:lang="en-US">Statement [Table]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_StatementTable" xml:lang="en-US">Statement [Table]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementTable" xlink:to="lab_us-gaap_StatementTable"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StatementLineItems" xlink:label="loc_us-gaap_StatementLineItems"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StatementLineItems" xml:lang="en-US">Statement [Line Items]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_StatementLineItems" xml:lang="en-US">Statement [Line Items]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementLineItems" xlink:to="lab_us-gaap_StatementLineItems"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityRegistrantName" xlink:label="loc_dei_EntityRegistrantName"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityRegistrantName" xml:lang="en-US">Entity Registrant Name</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_dei_EntityRegistrantName" xml:lang="en-US">Entity Registrant Name</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityRegistrantName" xlink:to="lab_dei_EntityRegistrantName"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityCentralIndexKey" xlink:label="loc_dei_EntityCentralIndexKey"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityCentralIndexKey" xml:lang="en-US">Entity Central Index Key</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_dei_EntityCentralIndexKey" xml:lang="en-US">Entity Central Index Key</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCentralIndexKey" xlink:to="lab_dei_EntityCentralIndexKey"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_CurrentFiscalYearEndDate" xlink:label="loc_dei_CurrentFiscalYearEndDate"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_CurrentFiscalYearEndDate" xml:lang="en-US">Current Fiscal Year End Date</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_dei_CurrentFiscalYearEndDate" xml:lang="en-US">Current Fiscal Year End Date</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CurrentFiscalYearEndDate" xlink:to="lab_dei_CurrentFiscalYearEndDate"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityFilerCategory" xlink:label="loc_dei_EntityFilerCategory"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityFilerCategory" xml:lang="en-US">Entity Filer Category</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_dei_EntityFilerCategory" xml:lang="en-US">Entity Filer Category</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityFilerCategory" xlink:to="lab_dei_EntityFilerCategory"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_TradingSymbol" xlink:label="loc_dei_TradingSymbol"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_TradingSymbol" xml:lang="en-US">Trading Symbol</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_dei_TradingSymbol" xml:lang="en-US">Trading Symbol</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_TradingSymbol" xlink:to="lab_dei_TradingSymbol"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityCommonStockSharesOutstanding" xlink:label="loc_dei_EntityCommonStockSharesOutstanding"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityCommonStockSharesOutstanding" xml:lang="en-US">Entity Common Stock, Shares Outstanding</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_dei_EntityCommonStockSharesOutstanding" xml:lang="en-US">Entity Common Stock, Shares Outstanding</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCommonStockSharesOutstanding" xlink:to="lab_dei_EntityCommonStockSharesOutstanding"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_DocumentType" xlink:label="loc_dei_DocumentType"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_DocumentType" xml:lang="en-US">Document Type</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_dei_DocumentType" xml:lang="en-US">Document Type</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentType" xlink:to="lab_dei_DocumentType"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_AmendmentFlag" xlink:label="loc_dei_AmendmentFlag"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_AmendmentFlag" xml:lang="en-US">Amendment Flag</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_dei_AmendmentFlag" xml:lang="en-US">Amendment Flag</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_AmendmentFlag" xlink:to="lab_dei_AmendmentFlag"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_DocumentPeriodEndDate" xlink:label="loc_dei_DocumentPeriodEndDate"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_DocumentPeriodEndDate" xml:lang="en-US">Document Period End Date</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_dei_DocumentPeriodEndDate" xml:lang="en-US">Document Period End Date</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentPeriodEndDate" xlink:to="lab_dei_DocumentPeriodEndDate"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_DocumentFiscalPeriodFocus" xlink:label="loc_dei_DocumentFiscalPeriodFocus"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_DocumentFiscalPeriodFocus" xml:lang="en-US">Document Fiscal Period Focus</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_dei_DocumentFiscalPeriodFocus" xml:lang="en-US">Document Fiscal Period Focus</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFiscalPeriodFocus" xlink:to="lab_dei_DocumentFiscalPeriodFocus"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_DocumentFiscalYearFocus" xlink:label="loc_dei_DocumentFiscalYearFocus"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_DocumentFiscalYearFocus" xml:lang="en-US">Document Fiscal Year Focus</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_dei_DocumentFiscalYearFocus" xml:lang="en-US">Document Fiscal Year Focus</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFiscalYearFocus" xlink:to="lab_dei_DocumentFiscalYearFocus"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityWellKnownSeasonedIssuer" xlink:label="loc_dei_EntityWellKnownSeasonedIssuer"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityWellKnownSeasonedIssuer" xml:lang="en-US">Entity Well-Known Seasoned Issuer</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_dei_EntityWellKnownSeasonedIssuer" xml:lang="en-US">Entity Well-known Seasoned Issuer</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityWellKnownSeasonedIssuer" xlink:to="lab_dei_EntityWellKnownSeasonedIssuer"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityVoluntaryFilers" xlink:label="loc_dei_EntityVoluntaryFilers"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityVoluntaryFilers" xml:lang="en-US">Entity Voluntary Filers</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_dei_EntityVoluntaryFilers" xml:lang="en-US">Entity Voluntary Filers</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityVoluntaryFilers" xlink:to="lab_dei_EntityVoluntaryFilers"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityCurrentReportingStatus" xlink:label="loc_dei_EntityCurrentReportingStatus"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityCurrentReportingStatus" xml:lang="en-US">Entity Current Reporting Status</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_dei_EntityCurrentReportingStatus" xml:lang="en-US">Entity Current Reporting Status</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCurrentReportingStatus" xlink:to="lab_dei_EntityCurrentReportingStatus"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityPublicFloat" xlink:label="loc_dei_EntityPublicFloat"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_dei_EntityPublicFloat" xml:lang="en-US">Entity Public Float</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_dei_EntityPublicFloat" xml:lang="en-US">Entity Public Float</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityPublicFloat" xlink:to="lab_dei_EntityPublicFloat"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StatementOfFinancialPositionAbstract" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StatementOfFinancialPositionAbstract" xml:lang="en-US">Statement Of Financial Position [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_StatementOfFinancialPositionAbstract" xml:lang="en-US">Statement of Financial Position [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract" xlink:to="lab_us-gaap_StatementOfFinancialPositionAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AssetsAbstract" xlink:label="loc_us-gaap_AssetsAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AssetsAbstract" xml:lang="en-US">Assets [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_AssetsAbstract" xml:lang="en-US">Assets</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsAbstract" xlink:to="lab_us-gaap_AssetsAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CashAndDueFromBanks" xlink:label="loc_us-gaap_CashAndDueFromBanks"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CashAndDueFromBanks" xml:lang="en-US">Cash and Due From Banks</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CashAndDueFromBanks" xml:lang="en-US">Cash and due from banks</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_CashAndDueFromBanks" xml:lang="en-US">Cash and Due from Banks, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndDueFromBanks" xlink:to="lab_us-gaap_CashAndDueFromBanks"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestBearingDepositsInBanks" xlink:label="loc_us-gaap_InterestBearingDepositsInBanks"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestBearingDepositsInBanks" xml:lang="en-US">Interest-Bearing Deposits In Banks and Other Financial Institutions</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_InterestBearingDepositsInBanks" xml:lang="en-US">Interest-bearing deposits in other financial institutions</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestBearingDepositsInBanks" xlink:to="lab_us-gaap_InterestBearingDepositsInBanks"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_FederalFundsSoldAndOtherShortTermInvestments" xlink:label="loc_cass_FederalFundsSoldAndOtherShortTermInvestments"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cass_FederalFundsSoldAndOtherShortTermInvestments" xml:lang="en-US">Federal Funds Sold And Other Short Term Investments</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_cass_FederalFundsSoldAndOtherShortTermInvestments" xml:lang="en-US">Federal funds sold and other short-term investments</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_cass_FederalFundsSoldAndOtherShortTermInvestments" xml:lang="en-US">Federal funds sold and other short-term investments</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_cass_FederalFundsSoldAndOtherShortTermInvestments" xml:lang="en-US">The amount outstanding of funds lent to other depository institutions, securities brokers, or securities dealers in the form of Federal Funds sold; for example, immediately available funds lent under agreements or contracts that mature in one business day or roll over under a continuing contract, regardless of the nature of the transaction or the collateral involved, excluding overnight lending for commercial and industrial purposes. Also include Federal Funds sold under agreements to resell on a gross basis, excluding (1) sales of term Federal Funds, (2) due bills representing purchases of securities or other assets by the reporting bank that have not yet been delivered and similar instruments, (3) resale agreements that mature in more than one business day involving assets other than securities, (4) yield maintenance dollar repurchase agreements, and (5) money market funds. Also includes, other investments not otherwise specified in the taxonomy that will be realized in a short period of time, usually less than one year or the normal operating cycle, whichever is longer.</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cass_FederalFundsSoldAndOtherShortTermInvestments" xlink:to="lab_cass_FederalFundsSoldAndOtherShortTermInvestments"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_CashCashEquivalentsFederalFundsSoldAndOtherShortTermInvestments" xlink:label="loc_cass_CashCashEquivalentsFederalFundsSoldAndOtherShortTermInvestments"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cass_CashCashEquivalentsFederalFundsSoldAndOtherShortTermInvestments" xml:lang="en-US">Cash Cash Equivalents Federal Funds Sold And Other Short Term Investments</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_cass_CashCashEquivalentsFederalFundsSoldAndOtherShortTermInvestments" xml:lang="en-US">Cash and cash equivalents</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_cass_CashCashEquivalentsFederalFundsSoldAndOtherShortTermInvestments" xml:lang="en-US">Cash and cash equivalents</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_cass_CashCashEquivalentsFederalFundsSoldAndOtherShortTermInvestments" xml:lang="en-US">The sum of cash and cash equivalents plus Federal Funds Sold. Cash and cash equivalents consist of short term, highly liquid investments that are readily convertible to known amounts of cash and are so near their maturity that they present negligible risk of changes in value due to changes in interest rates -- usually with an original maturity less than 90 days. Also includes, other investments not otherwise specified in the taxonomy that will be realized in a short period of time, usually less than one year or the normal operating cycle, whichever is longer.</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cass_CashCashEquivalentsFederalFundsSoldAndOtherShortTermInvestments" xlink:to="lab_cass_CashCashEquivalentsFederalFundsSoldAndOtherShortTermInvestments"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="loc_us-gaap_AvailableForSaleSecurities"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AvailableForSaleSecurities" xml:lang="en-US">Available-For-Sale Securities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_AvailableForSaleSecurities" xml:lang="en-US">Securities available-for-sale, at fair value</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_AvailableForSaleSecurities" xml:lang="en-US">Available-for-sale Securities, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AvailableForSaleSecurities" xlink:to="lab_us-gaap_AvailableForSaleSecurities"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:label="loc_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xml:lang="en-US">Loans and Leases Receivable, Net Of Deferred Income</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xml:lang="en-US">Loans</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xml:lang="en-US">Loans and Leases Receivable, Net of Deferred Income, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:to="lab_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="loc_us-gaap_LoansAndLeasesReceivableAllowance"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LoansAndLeasesReceivableAllowance" xml:lang="en-US">Loans and Leases Receivable, Allowance</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_LoansAndLeasesReceivableAllowance" xml:lang="en-US">Less: Allowance for loan losses</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_LoansAndLeasesReceivableAllowance" xml:lang="en-US">Less: Allowance for loan losses</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_LoansAndLeasesReceivableAllowance" xml:lang="en-US">Loans and Leases Receivable, Allowance, Beginning Balance</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_LoansAndLeasesReceivableAllowance" xml:lang="en-US">Loans and Leases Receivable, Allowance, Ending Balance</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansAndLeasesReceivableAllowance" xlink:to="lab_us-gaap_LoansAndLeasesReceivableAllowance"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmount"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LoansAndLeasesReceivableNetReportedAmount" xml:lang="en-US">Loans and Leases Receivable, Net Reported Amount</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_LoansAndLeasesReceivableNetReportedAmount" xml:lang="en-US">Loans, net</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_LoansAndLeasesReceivableNetReportedAmount" xml:lang="en-US">Loans, net</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:to="lab_us-gaap_LoansAndLeasesReceivableNetReportedAmount"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xml:lang="en-US">Property, Plant and Equipment, Net</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xml:lang="en-US">Premises and equipment, net</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xml:lang="en-US">Property, Plant and Equipment, Net, Total</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xml:lang="en-US">Property, Plant and Equipment, Net, Beginning Balance</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentNet" xml:lang="en-US">Property, Plant and Equipment, Net, Ending Balance</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentNet" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentNet"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_BankOwnedLifeInsurance" xlink:label="loc_us-gaap_BankOwnedLifeInsurance"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BankOwnedLifeInsurance" xml:lang="en-US">Bank Owned Life Insurance</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_BankOwnedLifeInsurance" xml:lang="en-US">Investments in bank-owned life insurance</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BankOwnedLifeInsurance" xlink:to="lab_us-gaap_BankOwnedLifeInsurance"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_PaymentsInExcessOfFunding" xlink:label="loc_cass_PaymentsInExcessOfFunding"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cass_PaymentsInExcessOfFunding" xml:lang="en-US">Payments In Excess Of Funding</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_cass_PaymentsInExcessOfFunding" xml:lang="en-US">Payments in excess of funding</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_cass_PaymentsInExcessOfFunding" xml:lang="en-US">The normal cycle for payment of Transportation invoices to a carrier, on behalf of the company's customer, is: the customer provides the funds to the company prior to the payment of the invoice by the company to the carrier. Payments in excess of funding are generated when, according to a service agreement with a few selected carriers, the company pays the carrier prior to receipt of the funds from the customer. The company receives a fee from the carrier for making this accelerated payment.</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cass_PaymentsInExcessOfFunding" xlink:to="lab_cass_PaymentsInExcessOfFunding"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Goodwill" xlink:label="loc_us-gaap_Goodwill"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_Goodwill" xml:lang="en-US">Goodwill</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_Goodwill" xml:lang="en-US">Goodwill</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_Goodwill" xml:lang="en-US">Goodwill, Beginning Balance</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_Goodwill" xml:lang="en-US">Goodwill, Ending Balance</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Goodwill" xlink:to="lab_us-gaap_Goodwill"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill" xml:lang="en-US">Intangible Assets, Net (Excluding Goodwill)</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill" xml:lang="en-US">Other intangible assets, net</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill" xml:lang="en-US">Intangible Assets, Net (Excluding Goodwill), Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:to="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherAssets" xlink:label="loc_us-gaap_OtherAssets"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OtherAssets" xml:lang="en-US">Other Assets</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_OtherAssets" xml:lang="en-US">Other assets</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_OtherAssets" xml:lang="en-US">Other assets</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherAssets" xlink:to="lab_us-gaap_OtherAssets"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Assets" xlink:label="loc_us-gaap_Assets"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_Assets" xml:lang="en-US">Assets</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_Assets" xml:lang="en-US">Total assets</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_Assets" xml:lang="en-US">Total assets</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Assets" xlink:to="lab_us-gaap_Assets"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xml:lang="en-US">Liabilities and Equity [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xml:lang="en-US">Liabilities and Shareholders' Equity</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:to="lab_us-gaap_LiabilitiesAndStockholdersEquityAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilities" xlink:label="loc_us-gaap_NoninterestBearingDepositLiabilities"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NoninterestBearingDepositLiabilities" xml:lang="en-US">Noninterest-Bearing Deposit Liabilities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_NoninterestBearingDepositLiabilities" xml:lang="en-US">Noninterest-bearing</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_NoninterestBearingDepositLiabilities" xml:lang="en-US">Noninterest-bearing Deposit Liabilities, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestBearingDepositLiabilities" xlink:to="lab_us-gaap_NoninterestBearingDepositLiabilities"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestBearingDepositLiabilities" xlink:label="loc_us-gaap_InterestBearingDepositLiabilities"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestBearingDepositLiabilities" xml:lang="en-US">Interest-Bearing Deposit Liabilities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_InterestBearingDepositLiabilities" xml:lang="en-US">Interest-bearing</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_InterestBearingDepositLiabilities" xml:lang="en-US">Interest-bearing</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestBearingDepositLiabilities" xlink:to="lab_us-gaap_InterestBearingDepositLiabilities"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Deposits" xlink:label="loc_us-gaap_Deposits"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_Deposits" xml:lang="en-US">Deposits</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_Deposits" xml:lang="en-US">Total deposits</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_Deposits" xml:lang="en-US">Total deposits</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Deposits" xlink:to="lab_us-gaap_Deposits"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_AccountsAndDraftsPayable" xlink:label="loc_cass_AccountsAndDraftsPayable"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cass_AccountsAndDraftsPayable" xml:lang="en-US">Accounts and Drafts Payable</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_cass_AccountsAndDraftsPayable" xml:lang="en-US">Accounts and drafts payable</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_cass_AccountsAndDraftsPayable" xml:lang="en-US">Carrying value as of the balance sheet date of liabilities incurred (and for which invoices have typically been received) and payable to vendors for goods and services received that are used in an entity's business and includes carrying value of amounts due on drafts payable on the balance sheet date.</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cass_AccountsAndDraftsPayable" xlink:to="lab_cass_AccountsAndDraftsPayable"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="loc_us-gaap_OtherLiabilities"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OtherLiabilities" xml:lang="en-US">Other Liabilities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_OtherLiabilities" xml:lang="en-US">Other liabilities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_OtherLiabilities" xml:lang="en-US">Other liabilities</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherLiabilities" xlink:to="lab_us-gaap_OtherLiabilities"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Liabilities" xlink:label="loc_us-gaap_Liabilities"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_Liabilities" xml:lang="en-US">Liabilities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_Liabilities" xml:lang="en-US">Total liabilities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_Liabilities" xml:lang="en-US">Total liabilities</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Liabilities" xlink:to="lab_us-gaap_Liabilities"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="loc_us-gaap_StockholdersEquityAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StockholdersEquityAbstract" xml:lang="en-US">Stockholders Equity Attributable To Parent [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_StockholdersEquityAbstract" xml:lang="en-US">Shareholders' Equity:</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockholdersEquityAbstract" xlink:to="lab_us-gaap_StockholdersEquityAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PreferredStockValue" xlink:label="loc_us-gaap_PreferredStockValue"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PreferredStockValue" xml:lang="en-US">Preferred Stock, Value, Issued</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_PreferredStockValue" xml:lang="en-US">Preferred stock, par value $.50 per share; 2,000,000 shares authorized and no shares issued</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_PreferredStockValue" xml:lang="en-US">Preferred Stock, Value, Issued, Total</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_PreferredStockValue" xml:lang="en-US">Preferred Stock, Value, Issued, Beginning Balance</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_PreferredStockValue" xml:lang="en-US">Preferred Stock, Value, Issued, Ending Balance</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockValue" xlink:to="lab_us-gaap_PreferredStockValue"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommonStockValue" xlink:label="loc_us-gaap_CommonStockValue"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CommonStockValue" xml:lang="en-US">Common Stock, Value, Issued</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CommonStockValue" xml:lang="en-US">Common stock, par value $.50 per share; 20,000,000 shares authorized and 10,890,163 and 9,949,324 shares issued at December 31, 2011 and 2010, respectively</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_CommonStockValue" xml:lang="en-US">Common Stock, Value, Issued, Total</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_CommonStockValue" xml:lang="en-US">Common Stock, Value, Issued, Beginning Balance</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_CommonStockValue" xml:lang="en-US">Common Stock, Value, Issued, Ending Balance</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockValue" xlink:to="lab_us-gaap_CommonStockValue"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="loc_us-gaap_AdditionalPaidInCapital"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AdditionalPaidInCapital" xml:lang="en-US">Additional Paid In Capital</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_AdditionalPaidInCapital" xml:lang="en-US">Additional paid-in capital</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_AdditionalPaidInCapital" xml:lang="en-US">Additional Paid in Capital, Total</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_AdditionalPaidInCapital" xml:lang="en-US">Additional Paid in Capital, Beginning Balance</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_AdditionalPaidInCapital" xml:lang="en-US">Additional Paid in Capital, Ending Balance</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdditionalPaidInCapital" xlink:to="lab_us-gaap_AdditionalPaidInCapital"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xml:lang="en-US">Retained Earnings (Accumulated Deficit)</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xml:lang="en-US">Retained earnings</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xml:lang="en-US">Retained Earnings (Accumulated Deficit), Total</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xml:lang="en-US">Retained Earnings (Accumulated Deficit), Beginning Balance</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xml:lang="en-US">Retained Earnings (Accumulated Deficit), Ending Balance</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:to="lab_us-gaap_RetainedEarningsAccumulatedDeficit"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TreasuryStockValue" xlink:label="loc_us-gaap_TreasuryStockValue"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_TreasuryStockValue" xml:lang="en-US">Treasury Stock, Value</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_TreasuryStockValue" xml:lang="en-US">Common shares in treasury, at cost (532,233 and 561,533 shares at December 31, 2011 and 2010, respectively</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_TreasuryStockValue" xml:lang="en-US">Treasury Stock, Value, Beginning Balance</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_TreasuryStockValue" xml:lang="en-US">Treasury Stock, Value, Ending Balance</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_TreasuryStockValue" xml:lang="en-US">Common shares in treasury, at cost (532,233 and 561,533 shares at December 31, 2011 and 2010, respectively)</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TreasuryStockValue" xlink:to="lab_us-gaap_TreasuryStockValue"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss), Net Of Tax</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xml:lang="en-US">Accumulated other comprehensive loss</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xml:lang="en-US">Accumulated other comprehensive loss</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss), Net of Tax, Beginning Balance</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss), Net of Tax, Ending Balance</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xml:lang="en-US">Accumulated other comprehensive income (loss)</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xml:lang="en-US">Accumulated other comprehensive income (loss)</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xml:lang="en-US">Accumulated other comprehensive income (loss)</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:to="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="loc_us-gaap_StockholdersEquity"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StockholdersEquity" xml:lang="en-US">Stockholders Equity Attributable To Parent</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_StockholdersEquity" xml:lang="en-US">Total shareholders' equity</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_StockholdersEquity" xml:lang="en-US">Total shareholders' equity</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_StockholdersEquity" xml:lang="en-US">Balance</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_StockholdersEquity" xml:lang="en-US">Balance</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockholdersEquity" xlink:to="lab_us-gaap_StockholdersEquity"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquity" xml:lang="en-US">Liabilities and Stockholders Equity</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquity" xml:lang="en-US">Total liabilities and shareholders' equity</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_LiabilitiesAndStockholdersEquity" xml:lang="en-US">Total liabilities and shareholders' equity</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="lab_us-gaap_LiabilitiesAndStockholdersEquity"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_BalanceSheetsParentheticalAbstract" xlink:label="loc_cass_BalanceSheetsParentheticalAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cass_BalanceSheetsParentheticalAbstract" xml:lang="en-US">Balance Sheets Parenthetical [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_cass_BalanceSheetsParentheticalAbstract" xml:lang="en-US">Balance Sheets Parenthetical [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_cass_BalanceSheetsParentheticalAbstract" xml:lang="en-US">BalanceSheetsParenthetical</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cass_BalanceSheetsParentheticalAbstract" xlink:to="lab_cass_BalanceSheetsParentheticalAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PreferredStockParOrStatedValuePerShare" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PreferredStockParOrStatedValuePerShare" xml:lang="en-US">Preferred Stock, Par Or Stated Value Per Share</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_PreferredStockParOrStatedValuePerShare" xml:lang="en-US">Preferred stock, par value (in dollars per share)</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:to="lab_us-gaap_PreferredStockParOrStatedValuePerShare"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PreferredStockSharesAuthorized" xlink:label="loc_us-gaap_PreferredStockSharesAuthorized"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PreferredStockSharesAuthorized" xml:lang="en-US">Preferred Stock, Shares Authorized</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_PreferredStockSharesAuthorized" xml:lang="en-US">Preferred stock, shares authorized</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockSharesAuthorized" xlink:to="lab_us-gaap_PreferredStockSharesAuthorized"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PreferredStockSharesIssued" xlink:label="loc_us-gaap_PreferredStockSharesIssued"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PreferredStockSharesIssued" xml:lang="en-US">Preferred Stock, Shares Issued</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_PreferredStockSharesIssued" xml:lang="en-US">Preferred stock, shares Issued</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_PreferredStockSharesIssued" xml:lang="en-US">Preferred Stock, Shares Issued, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockSharesIssued" xlink:to="lab_us-gaap_PreferredStockSharesIssued"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CommonStockParOrStatedValuePerShare" xml:lang="en-US">Common Stock, Par Or Stated Value Per Share</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CommonStockParOrStatedValuePerShare" xml:lang="en-US">Common Stock, par value (in dollars per share)</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockParOrStatedValuePerShare" xlink:to="lab_us-gaap_CommonStockParOrStatedValuePerShare"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="loc_us-gaap_CommonStockSharesAuthorized"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CommonStockSharesAuthorized" xml:lang="en-US">Common Stock, Shares Authorized</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CommonStockSharesAuthorized" xml:lang="en-US">Common Stock, shares authorized</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockSharesAuthorized" xlink:to="lab_us-gaap_CommonStockSharesAuthorized"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="loc_us-gaap_CommonStockSharesIssued"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CommonStockSharesIssued" xml:lang="en-US">Common Stock, Shares, Issued</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CommonStockSharesIssued" xml:lang="en-US">Common Stock, shares issued</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_CommonStockSharesIssued" xml:lang="en-US">Common Stock, Shares, Issued, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockSharesIssued" xlink:to="lab_us-gaap_CommonStockSharesIssued"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TreasuryStockShares" xlink:label="loc_us-gaap_TreasuryStockShares"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_TreasuryStockShares" xml:lang="en-US">Treasury Stock, Shares</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_TreasuryStockShares" xml:lang="en-US">Treasury stock, shares</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_TreasuryStockShares" xml:lang="en-US">Treasury Stock, Shares, Beginning Balance</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_TreasuryStockShares" xml:lang="en-US">Treasury Stock, Shares, Ending Balance</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TreasuryStockShares" xlink:to="lab_us-gaap_TreasuryStockShares"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="loc_us-gaap_IncomeStatementAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncomeStatementAbstract" xml:lang="en-US">Income Statement [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_IncomeStatementAbstract" xml:lang="en-US">Income Statement [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeStatementAbstract" xlink:to="lab_us-gaap_IncomeStatementAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="loc_us-gaap_RevenuesAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RevenuesAbstract" xml:lang="en-US">Revenues [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_RevenuesAbstract" xml:lang="en-US">Fee Revenue and Other Income:</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RevenuesAbstract" xlink:to="lab_us-gaap_RevenuesAbstract"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_InformationServicesPaymentAndProcessingRevenue" xlink:label="loc_cass_InformationServicesPaymentAndProcessingRevenue"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cass_InformationServicesPaymentAndProcessingRevenue" xml:lang="en-US">Information Services Payment and Processing Revenue</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_cass_InformationServicesPaymentAndProcessingRevenue" xml:lang="en-US">Information services payment and processing revenue</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_cass_InformationServicesPaymentAndProcessingRevenue" xml:lang="en-US">Revenue earned from providing services relating to transportation invoice rating, payment, audit, accounting and transportation information to many of the nation's largest companies.</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cass_InformationServicesPaymentAndProcessingRevenue" xlink:to="lab_cass_InformationServicesPaymentAndProcessingRevenue"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FeesAndCommissions" xlink:label="loc_us-gaap_FeesAndCommissions"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FeesAndCommissions" xml:lang="en-US">Fees and Commissions</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_FeesAndCommissions" xml:lang="en-US">Bank service fees</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_FeesAndCommissions" xml:lang="en-US">Fees and Commissions, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FeesAndCommissions" xlink:to="lab_us-gaap_FeesAndCommissions"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_GainLossOnSaleOfSecuritiesNet" xlink:label="loc_us-gaap_GainLossOnSaleOfSecuritiesNet"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_GainLossOnSaleOfSecuritiesNet" xml:lang="en-US">Gain (Loss) On Sale Of Securities, Net</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_GainLossOnSaleOfSecuritiesNet" xml:lang="en-US">Gains on sales of securities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_GainLossOnSaleOfSecuritiesNet" xml:lang="en-US">Gain (Loss) on Sale of Securities, Net, Total</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_GainLossOnSaleOfSecuritiesNet" xml:lang="en-US">Net gains on sales of securities</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GainLossOnSaleOfSecuritiesNet" xlink:to="lab_us-gaap_GainLossOnSaleOfSecuritiesNet"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoninterestIncomeOther" xlink:label="loc_us-gaap_NoninterestIncomeOther"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NoninterestIncomeOther" xml:lang="en-US">Noninterest Income, Other</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_NoninterestIncomeOther" xml:lang="en-US">Other</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_NoninterestIncomeOther" xml:lang="en-US">Other</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestIncomeOther" xlink:to="lab_us-gaap_NoninterestIncomeOther"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoninterestIncome" xlink:label="loc_us-gaap_NoninterestIncome"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NoninterestIncome" xml:lang="en-US">Noninterest Income</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_NoninterestIncome" xml:lang="en-US">Total fee revenue and other income</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_NoninterestIncome" xml:lang="en-US">Total fee revenue and other income</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestIncome" xlink:to="lab_us-gaap_NoninterestIncome"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestAndDividendIncomeOperatingAbstract" xml:lang="en-US">Interest and Dividend Income, Operating [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_InterestAndDividendIncomeOperatingAbstract" xml:lang="en-US">Interest Income:</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:to="lab_us-gaap_InterestAndDividendIncomeOperatingAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases" xml:lang="en-US">Interest and Fee Income, Loans and Leases</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases" xml:lang="en-US">Interest and fees on loans</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases" xml:lang="en-US">Interest and Fee Income, Loans and Leases, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:to="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xlink:label="loc_us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xml:lang="en-US">Interest and Dividend Income, Securities, By Taxable Status [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xml:lang="en-US">Interest and dividends on securities:</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract" xlink:to="lab_us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestIncomeSecuritiesTaxable" xlink:label="loc_us-gaap_InterestIncomeSecuritiesTaxable"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestIncomeSecuritiesTaxable" xml:lang="en-US">Interest Income, Securities, Taxable</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_InterestIncomeSecuritiesTaxable" xml:lang="en-US">Taxable</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeSecuritiesTaxable" xlink:to="lab_us-gaap_InterestIncomeSecuritiesTaxable"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestIncomeSecuritiesTaxExempt" xlink:label="loc_us-gaap_InterestIncomeSecuritiesTaxExempt"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestIncomeSecuritiesTaxExempt" xml:lang="en-US">Interest Income, Securities, Tax Exempt</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_InterestIncomeSecuritiesTaxExempt" xml:lang="en-US">Exempt from federal income taxes</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeSecuritiesTaxExempt" xlink:to="lab_us-gaap_InterestIncomeSecuritiesTaxExempt"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_InterestOnFederalFundsSoldAndOtherShortTermInvestments" xlink:label="loc_cass_InterestOnFederalFundsSoldAndOtherShortTermInvestments"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cass_InterestOnFederalFundsSoldAndOtherShortTermInvestments" xml:lang="en-US">Interest On Federal Funds Sold And Other Short Term Investments</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_cass_InterestOnFederalFundsSoldAndOtherShortTermInvestments" xml:lang="en-US">Interest on federal funds sold and other short-term investments</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_cass_InterestOnFederalFundsSoldAndOtherShortTermInvestments" xml:lang="en-US">Interest on federal funds sold and other short-term investments</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_cass_InterestOnFederalFundsSoldAndOtherShortTermInvestments" xml:lang="en-US">Interest income on federal funds sold and other short-term investments.</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cass_InterestOnFederalFundsSoldAndOtherShortTermInvestments" xlink:to="lab_cass_InterestOnFederalFundsSoldAndOtherShortTermInvestments"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestAndDividendIncomeOperating" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestAndDividendIncomeOperating" xml:lang="en-US">Interest and Dividend Income, Operating</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_InterestAndDividendIncomeOperating" xml:lang="en-US">Total interest income</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_InterestAndDividendIncomeOperating" xml:lang="en-US">Total interest income</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating" xlink:to="lab_us-gaap_InterestAndDividendIncomeOperating"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestExpenseAbstract" xlink:label="loc_us-gaap_InterestExpenseAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestExpenseAbstract" xml:lang="en-US">Interest Expense [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_InterestExpenseAbstract" xml:lang="en-US">Interest Expense:</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseAbstract" xlink:to="lab_us-gaap_InterestExpenseAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestExpenseDeposits" xlink:label="loc_us-gaap_InterestExpenseDeposits"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestExpenseDeposits" xml:lang="en-US">Interest Expense, Deposits</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_InterestExpenseDeposits" xml:lang="en-US">Interest on deposits</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_InterestExpenseDeposits" xml:lang="en-US">Interest on deposits</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_InterestExpenseDeposits" xml:lang="en-US">Interest on deposits</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="lab_us-gaap_InterestExpenseDeposits" xml:lang="en-US">Interest on deposits</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseDeposits" xlink:to="lab_us-gaap_InterestExpenseDeposits"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestExpenseShortTermBorrowings" xlink:label="loc_us-gaap_InterestExpenseShortTermBorrowings"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestExpenseShortTermBorrowings" xml:lang="en-US">Interest Expense, Short-Term Borrowings</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_InterestExpenseShortTermBorrowings" xml:lang="en-US">Interest on short-term borrowings</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseShortTermBorrowings" xlink:to="lab_us-gaap_InterestExpenseShortTermBorrowings"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestExpenseSubordinatedNotesAndDebentures" xlink:label="loc_us-gaap_InterestExpenseSubordinatedNotesAndDebentures"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestExpenseSubordinatedNotesAndDebentures" xml:lang="en-US">Interest Expense, Subordinated Notes and Debentures</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_InterestExpenseSubordinatedNotesAndDebentures" xml:lang="en-US">Interest on subordinated convertible debentures</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseSubordinatedNotesAndDebentures" xlink:to="lab_us-gaap_InterestExpenseSubordinatedNotesAndDebentures"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestExpense" xlink:label="loc_us-gaap_InterestExpense"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestExpense" xml:lang="en-US">Interest Expense</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_InterestExpense" xml:lang="en-US">Total interest expense</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_InterestExpense" xml:lang="en-US">Total interest expense</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_InterestExpense" xml:lang="en-US">Total interest expense</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpense" xlink:to="lab_us-gaap_InterestExpense"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestIncomeExpenseNet" xlink:label="loc_us-gaap_InterestIncomeExpenseNet"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestIncomeExpenseNet" xml:lang="en-US">Interest Income (Expense), Net</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_InterestIncomeExpenseNet" xml:lang="en-US">Net interest income</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_InterestIncomeExpenseNet" xml:lang="en-US">Net interest income</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeExpenseNet" xlink:to="lab_us-gaap_InterestIncomeExpenseNet"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProvisionForLoanLossesExpensed" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProvisionForLoanLossesExpensed" xml:lang="en-US">Provision For Loan Losses Expensed</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ProvisionForLoanLossesExpensed" xml:lang="en-US">Provisions for loan losses</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_ProvisionForLoanLossesExpensed" xml:lang="en-US">Provision for loan losses</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProvisionForLoanLossesExpensed" xlink:to="lab_us-gaap_ProvisionForLoanLossesExpensed"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xml:lang="en-US">Interest Income (Expense), After Provision For Loan Loss</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xml:lang="en-US">Net interest income after provision for loan losses</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xml:lang="en-US">Net interest income after provision for loan losses</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:to="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Revenues" xlink:label="loc_us-gaap_Revenues"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_Revenues" xml:lang="en-US">Revenues</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_Revenues" xml:lang="en-US">Total net revenue</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_Revenues" xml:lang="en-US">Total net revenue</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Revenues" xlink:to="lab_us-gaap_Revenues"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoninterestExpenseAbstract" xlink:label="loc_us-gaap_NoninterestExpenseAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NoninterestExpenseAbstract" xml:lang="en-US">Noninterest Expense [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_NoninterestExpenseAbstract" xml:lang="en-US">Operating Expense:</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestExpenseAbstract" xlink:to="lab_us-gaap_NoninterestExpenseAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LaborAndRelatedExpense" xlink:label="loc_us-gaap_LaborAndRelatedExpense"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LaborAndRelatedExpense" xml:lang="en-US">Labor and Related Expense</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_LaborAndRelatedExpense" xml:lang="en-US">Salaries and employee benefits</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_LaborAndRelatedExpense" xml:lang="en-US">Labor and Related Expense, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LaborAndRelatedExpense" xlink:to="lab_us-gaap_LaborAndRelatedExpense"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OccupancyNet" xlink:label="loc_us-gaap_OccupancyNet"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OccupancyNet" xml:lang="en-US">Occupancy, Net</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_OccupancyNet" xml:lang="en-US">Occupancy</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OccupancyNet" xlink:to="lab_us-gaap_OccupancyNet"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_EquipmentExpense" xlink:label="loc_us-gaap_EquipmentExpense"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EquipmentExpense" xml:lang="en-US">Equipment Expense</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_EquipmentExpense" xml:lang="en-US">Equipment</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquipmentExpense" xlink:to="lab_us-gaap_EquipmentExpense"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AmortizationOfIntangibleAssets" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AmortizationOfIntangibleAssets" xml:lang="en-US">Amortization Of Intangible Assets</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_AmortizationOfIntangibleAssets" xml:lang="en-US">Amortization of intangible assets</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_AmortizationOfIntangibleAssets" xml:lang="en-US">Amortization of Intangible Assets, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AmortizationOfIntangibleAssets" xlink:to="lab_us-gaap_AmortizationOfIntangibleAssets"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherNoninterestExpense" xlink:label="loc_us-gaap_OtherNoninterestExpense"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OtherNoninterestExpense" xml:lang="en-US">Other Noninterest Expense</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_OtherNoninterestExpense" xml:lang="en-US">Other operating</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_OtherNoninterestExpense" xml:lang="en-US">Other operating</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherNoninterestExpense" xlink:to="lab_us-gaap_OtherNoninterestExpense"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoninterestExpense" xlink:label="loc_us-gaap_NoninterestExpense"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NoninterestExpense" xml:lang="en-US">Noninterest Expense</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_NoninterestExpense" xml:lang="en-US">Total operating expense</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_NoninterestExpense" xml:lang="en-US">Total operating expense</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestExpense" xlink:to="lab_us-gaap_NoninterestExpense"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xml:lang="en-US">Income (Loss) From Continuing Operations Before Income Taxes, Extraordinary Items, Noncontrolling Interest</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xml:lang="en-US">Income before income tax expense</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:to="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xml:lang="en-US">Income Tax Expense (Benefit)</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xml:lang="en-US">Income tax expense</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xml:lang="en-US">Income tax expense</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit" xlink:to="lab_us-gaap_IncomeTaxExpenseBenefit"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetIncomeLoss" xlink:label="loc_us-gaap_NetIncomeLoss"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NetIncomeLoss" xml:lang="en-US">Net Income (Loss) Attributable To Parent</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="lab_us-gaap_NetIncomeLoss" xml:lang="en-US">Net income</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_NetIncomeLoss" xml:lang="en-US">Net income</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_NetIncomeLoss" xml:lang="en-US">Net income</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_NetIncomeLoss" xml:lang="en-US">Net Income (Loss) Attributable to Parent, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLoss" xlink:to="lab_us-gaap_NetIncomeLoss"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_EarningsPerShareBasic" xlink:label="loc_us-gaap_EarningsPerShareBasic"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EarningsPerShareBasic" xml:lang="en-US">Earnings Per Share, Basic</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_EarningsPerShareBasic" xml:lang="en-US">Basic Earnings Per Share (in dollars per share)</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_EarningsPerShareBasic" xml:lang="en-US">Earnings Per Share, Basic, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareBasic" xlink:to="lab_us-gaap_EarningsPerShareBasic"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_EarningsPerShareDiluted" xlink:label="loc_us-gaap_EarningsPerShareDiluted"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EarningsPerShareDiluted" xml:lang="en-US">Earnings Per Share, Diluted</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_EarningsPerShareDiluted" xml:lang="en-US">Diluted Earnings Per Share (in dollars per share)</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_EarningsPerShareDiluted" xml:lang="en-US">Earnings Per Share, Diluted, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareDiluted" xlink:to="lab_us-gaap_EarningsPerShareDiluted"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StatementOfCashFlowsAbstract" xml:lang="en-US">Statement Of Cash Flows [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_StatementOfCashFlowsAbstract" xml:lang="en-US">Statement of Cash Flows [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract" xlink:to="lab_us-gaap_StatementOfCashFlowsAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xml:lang="en-US">Net Cash Provided By (Used In) Operating Activities [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xml:lang="en-US">Cash Flows From Operating Activities:</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xml:lang="en-US">Adjustments To Reconcile Net Income (Loss) To Cash Provided By (Used In) Operating Activities [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xml:lang="en-US">Adjustments to reconcile net income to net cash provided by operating activities:</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DepreciationAmortizationAndAccretionNet" xlink:label="loc_us-gaap_DepreciationAmortizationAndAccretionNet"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DepreciationAmortizationAndAccretionNet" xml:lang="en-US">Depreciation, Amortization and Accretion, Net</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DepreciationAmortizationAndAccretionNet" xml:lang="en-US">Depreciation and amortization</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_DepreciationAmortizationAndAccretionNet" xml:lang="en-US">Depreciation, Amortization and Accretion, Net, Total</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_DepreciationAmortizationAndAccretionNet" xml:lang="en-US">Depreciation and amortization</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepreciationAmortizationAndAccretionNet" xlink:to="lab_us-gaap_DepreciationAmortizationAndAccretionNet"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShareBasedCompensation" xlink:label="loc_us-gaap_ShareBasedCompensation"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ShareBasedCompensation" xml:lang="en-US">Share-Based Compensation</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ShareBasedCompensation" xml:lang="en-US">Stock-based compensation expense</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_ShareBasedCompensation" xml:lang="en-US">Share-based Compensation, Total</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_ShareBasedCompensation" xml:lang="en-US">Stock-based compensation expense</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensation" xlink:to="lab_us-gaap_ShareBasedCompensation"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:label="loc_us-gaap_DeferredIncomeTaxExpenseBenefit"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefit" xml:lang="en-US">Deferred Income Tax Expense (Benefit)</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DeferredIncomeTaxExpenseBenefit" xml:lang="en-US">Deferred income tax expense (benefit)</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredIncomeTaxExpenseBenefit" xlink:to="lab_us-gaap_DeferredIncomeTaxExpenseBenefit"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xlink:label="loc_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xml:lang="en-US">Increase (Decrease) In Accrued Income Taxes Payable</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xml:lang="en-US">Decrease in income tax liability</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xml:lang="en-US">Decrease in income tax liability</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable" xlink:to="lab_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncreaseDecreaseInPensionPlanObligations" xlink:label="loc_us-gaap_IncreaseDecreaseInPensionPlanObligations"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncreaseDecreaseInPensionPlanObligations" xml:lang="en-US">Increase (Decrease) In Pension Plan Obligations</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_IncreaseDecreaseInPensionPlanObligations" xml:lang="en-US">Decrease in pension liability</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInPensionPlanObligations" xlink:to="lab_us-gaap_IncreaseDecreaseInPensionPlanObligations"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:label="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xml:lang="en-US">Federal Deposit Insurance Corporation Premium Expense</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xml:lang="en-US">FDIC insurance prepayment</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FederalDepositInsuranceCorporationPremiumExpense" xlink:to="lab_us-gaap_FederalDepositInsuranceCorporationPremiumExpense"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:label="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xml:lang="en-US">Adjustments To Reconcile Net Income (Loss) To Cash Provided By (Used In) Operating Activities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xml:lang="en-US">Other operating activities, net</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xml:lang="en-US">Other operating activities, net</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xml:lang="en-US">Other operating activities, net</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities" xlink:to="lab_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xml:lang="en-US">Net Cash Provided By (Used In) Operating Activities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xml:lang="en-US">Net cash provided by operating activities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xml:lang="en-US">Net cash provided by operating activities</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xml:lang="en-US">Net Cash Provided By (Used In) Investing Activities [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xml:lang="en-US">Cash Flows From Investing Activities:</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:label="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xml:lang="en-US">Proceeds From Sale Of Available-For-Sale Securities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xml:lang="en-US">Proceeds from sales of securities available-for-sale</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xml:lang="en-US">Proceeds from Sale of Available-for-sale Securities, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities" xlink:to="lab_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:label="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xml:lang="en-US">Proceeds From Maturities, Prepayments and Calls Of Available-For-Sale Securities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xml:lang="en-US">Proceeds from maturities of securities available-for-sale</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities" xlink:to="lab_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:label="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecurities"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xml:lang="en-US">Payments To Acquire Available-For-Sale Securities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xml:lang="en-US">Purchase of securities available-for-sale</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xml:lang="en-US">Payments to Acquire Available-for-sale Securities, Total</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xml:lang="en-US">Purchase of securities available-for-sale</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:to="lab_us-gaap_PaymentsToAcquireAvailableForSaleSecurities"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:label="loc_us-gaap_PaymentsForProceedsFromLoansAndLeases"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PaymentsForProceedsFromLoansAndLeases" xml:lang="en-US">Payments For (Proceeds From) Loans and Leases</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_PaymentsForProceedsFromLoansAndLeases" xml:lang="en-US">Net decrease (increase) in loans</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_PaymentsForProceedsFromLoansAndLeases" xml:lang="en-US">Payments for (Proceeds from) Loans and Leases, Total</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_PaymentsForProceedsFromLoansAndLeases" xml:lang="en-US">Net decrease (increase) in loans</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsForProceedsFromLoansAndLeases" xlink:to="lab_us-gaap_PaymentsForProceedsFromLoansAndLeases"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_IncreaseDecreaseInPaymentsInExcessOfFunding" xlink:label="loc_cass_IncreaseDecreaseInPaymentsInExcessOfFunding"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cass_IncreaseDecreaseInPaymentsInExcessOfFunding" xml:lang="en-US">(Increase) Decrease In Payments In Excess Of Funding</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_cass_IncreaseDecreaseInPaymentsInExcessOfFunding" xml:lang="en-US">Increase in payments in excess of funding</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_cass_IncreaseDecreaseInPaymentsInExcessOfFunding" xml:lang="en-US">Net change during the reporting period in the carrying amount of payments in excess of funding.</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_cass_IncreaseDecreaseInPaymentsInExcessOfFunding" xml:lang="en-US">Increase in payments in excess of funding</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cass_IncreaseDecreaseInPaymentsInExcessOfFunding" xlink:to="lab_cass_IncreaseDecreaseInPaymentsInExcessOfFunding"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xml:lang="en-US">Payments To Acquire Property, Plant, and Equipment</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xml:lang="en-US">Purchases of premises and equipment, net</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xml:lang="en-US">Payments to Acquire Property, Plant, and Equipment, Total</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xml:lang="en-US">Purchases of premises and equipment, net</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xml:lang="en-US">Purchases of premises and equipment, net</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:to="lab_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xml:lang="en-US">Net Cash Provided By (Used In) Investing Activities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xml:lang="en-US">Net cash used in investing activities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xml:lang="en-US">Net cash used in investing activities</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xml:lang="en-US">Net Cash Provided By (Used In) Financing Activities [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xml:lang="en-US">Cash Flows From Financing Activities:</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_IncreaseDecreaseInNonInterestBearingDemandDeposits" xlink:label="loc_cass_IncreaseDecreaseInNonInterestBearingDemandDeposits"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cass_IncreaseDecreaseInNonInterestBearingDemandDeposits" xml:lang="en-US">Increase Decrease In Non Interest Bearing Demand Deposits</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_cass_IncreaseDecreaseInNonInterestBearingDemandDeposits" xml:lang="en-US">Net increase (decrease) in noninterest-bearing demand deposits</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_cass_IncreaseDecreaseInNonInterestBearingDemandDeposits" xml:lang="en-US">Net change during the reporting period in noninterest-bearing demand deposits.</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cass_IncreaseDecreaseInNonInterestBearingDemandDeposits" xlink:to="lab_cass_IncreaseDecreaseInNonInterestBearingDemandDeposits"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits" xlink:label="loc_cass_IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cass_IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits" xml:lang="en-US">Increase Decrease In Interest Bearing Demand And Savings Deposits</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_cass_IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits" xml:lang="en-US">Net increase in interest-bearing demand and savings deposits</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_cass_IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits" xml:lang="en-US">Net change during the reporting period in interest-bearing demand and savings deposits.</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cass_IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits" xlink:to="lab_cass_IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncreaseDecreaseInTimeDeposits" xlink:label="loc_us-gaap_IncreaseDecreaseInTimeDeposits"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncreaseDecreaseInTimeDeposits" xml:lang="en-US">Increase (Decrease) In Time Deposits</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_IncreaseDecreaseInTimeDeposits" xml:lang="en-US">Net (decrease) increase in time deposits</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_IncreaseDecreaseInTimeDeposits" xml:lang="en-US">Increase (Decrease) in Time Deposits, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInTimeDeposits" xlink:to="lab_us-gaap_IncreaseDecreaseInTimeDeposits"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_IncreaseDecreaseInAccountsAndDraftsPayable" xlink:label="loc_cass_IncreaseDecreaseInAccountsAndDraftsPayable"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cass_IncreaseDecreaseInAccountsAndDraftsPayable" xml:lang="en-US">Increase Decrease In Accounts And Drafts Payable</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_cass_IncreaseDecreaseInAccountsAndDraftsPayable" xml:lang="en-US">Net increase in accounts and drafts payable</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_cass_IncreaseDecreaseInAccountsAndDraftsPayable" xml:lang="en-US">Net change during the reporting period in the carrying amount of accounts and drafts payable.</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_cass_IncreaseDecreaseInAccountsAndDraftsPayable" xml:lang="en-US">Net increase (decrease) in accounts and drafts payable</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cass_IncreaseDecreaseInAccountsAndDraftsPayable" xlink:to="lab_cass_IncreaseDecreaseInAccountsAndDraftsPayable"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsOfDividendsCommonStock" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PaymentsOfDividendsCommonStock" xml:lang="en-US">Payments Of Dividends, Common Stock</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_PaymentsOfDividendsCommonStock" xml:lang="en-US">Cash dividends paid</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_PaymentsOfDividendsCommonStock" xml:lang="en-US">Cash dividends paid</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsOfDividendsCommonStock" xlink:to="lab_us-gaap_PaymentsOfDividendsCommonStock"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xml:lang="en-US">Payments For Repurchase Of Common Stock</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xml:lang="en-US">Purchase of common shares of treasury</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xml:lang="en-US">Purchase of common shares of treasury</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:to="lab_us-gaap_PaymentsForRepurchaseOfCommonStock"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:label="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xml:lang="en-US">Proceeds From (Payments For) Other Financing Activities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xml:lang="en-US">Other financing activities, net</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xml:lang="en-US">Other financing activities, net</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="lab_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xml:lang="en-US">Other financing activities, net</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:to="lab_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xml:lang="en-US">Net Cash Provided By (Used In) Financing Activities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xml:lang="en-US">Net cash provided by financing activities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xml:lang="en-US">Net cash provided by financing activities</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="loc_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xml:lang="en-US">Cash and Cash Equivalents, Period Increase (Decrease)</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xml:lang="en-US">Net increase in cash and cash equivalents</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xml:lang="en-US">Net increase in cash and cash equivalents</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="lab_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xml:lang="en-US">Cash and Cash Equivalents, At Carrying Value</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xml:lang="en-US">Cash and cash equivalents at beginning of period</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xml:lang="en-US">Cash and Cash Equivalents, at Carrying Value, Total</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xml:lang="en-US">Cash and cash equivalents at beginning of year</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xml:lang="en-US">Cash and cash equivalents at end of year</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:to="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SupplementalCashFlowInformationAbstract" xml:lang="en-US">Supplemental Cash Flow Information [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_SupplementalCashFlowInformationAbstract" xml:lang="en-US">Supplemental information:</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract" xlink:to="lab_us-gaap_SupplementalCashFlowInformationAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestPaidNet" xlink:label="loc_us-gaap_InterestPaidNet"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_InterestPaidNet" xml:lang="en-US">Interest Paid, Net</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_InterestPaidNet" xml:lang="en-US">Cash paid for interest</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_InterestPaidNet" xml:lang="en-US">Interest Paid, Net, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestPaidNet" xlink:to="lab_us-gaap_InterestPaidNet"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncomeTaxesPaidNet" xlink:label="loc_us-gaap_IncomeTaxesPaidNet"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncomeTaxesPaidNet" xml:lang="en-US">Income Taxes Paid, Net</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_IncomeTaxesPaidNet" xml:lang="en-US">Cash paid for income taxes</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_IncomeTaxesPaidNet" xml:lang="en-US">Income Taxes Paid, Net, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxesPaidNet" xlink:to="lab_us-gaap_IncomeTaxesPaidNet"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StatementOfStockholdersEquityAbstract" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StatementOfStockholdersEquityAbstract" xml:lang="en-US">Statement Of Stockholders Equity [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_StatementOfStockholdersEquityAbstract" xml:lang="en-US">Statement of Stockholders' Equity [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract" xlink:to="lab_us-gaap_StatementOfStockholdersEquityAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StatementEquityComponentsAxis" xlink:label="loc_us-gaap_StatementEquityComponentsAxis"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StatementEquityComponentsAxis" xml:lang="en-US">Statement, Equity Components [Axis]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_StatementEquityComponentsAxis" xml:lang="en-US">Statement, Equity Components [Axis]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementEquityComponentsAxis" xlink:to="lab_us-gaap_StatementEquityComponentsAxis"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommonStockMember" xlink:label="loc_us-gaap_CommonStockMember"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CommonStockMember" xml:lang="en-US">Common Stock [Member]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockMember" xlink:to="lab_us-gaap_CommonStockMember"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AdditionalPaidInCapitalMember" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AdditionalPaidInCapitalMember" xml:lang="en-US">Additional Paid-In Capital [Member]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdditionalPaidInCapitalMember" xlink:to="lab_us-gaap_AdditionalPaidInCapitalMember"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RetainedEarningsMember" xlink:label="loc_us-gaap_RetainedEarningsMember"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RetainedEarningsMember" xml:lang="en-US">Retained Earnings [Member]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetainedEarningsMember" xlink:to="lab_us-gaap_RetainedEarningsMember"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TreasuryStockMember" xlink:label="loc_us-gaap_TreasuryStockMember"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_TreasuryStockMember" xml:lang="en-US">Treasury Stock [Member]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TreasuryStockMember" xlink:to="lab_us-gaap_TreasuryStockMember"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss) [Member]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:to="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ComprehensiveIncomeMember" xlink:label="loc_us-gaap_ComprehensiveIncomeMember"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ComprehensiveIncomeMember" xml:lang="en-US">Comprehensive Income [Member]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComprehensiveIncomeMember" xlink:to="lab_us-gaap_ComprehensiveIncomeMember"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DividendsCommonStockCash" xlink:label="loc_us-gaap_DividendsCommonStockCash"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DividendsCommonStockCash" xml:lang="en-US">Dividends, Common Stock, Cash</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DividendsCommonStockCash" xml:lang="en-US">Cash dividends</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DividendsCommonStockCash" xlink:to="lab_us-gaap_DividendsCommonStockCash"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockRepurchasedDuringPeriodValue" xlink:label="loc_us-gaap_StockRepurchasedDuringPeriodValue"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StockRepurchasedDuringPeriodValue" xml:lang="en-US">Stock Repurchased During Period, Value</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_StockRepurchasedDuringPeriodValue" xml:lang="en-US">Purchase of 13,200 shares</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockRepurchasedDuringPeriodValue" xlink:to="lab_us-gaap_StockRepurchasedDuringPeriodValue"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DividendsCommonStock" xlink:label="loc_us-gaap_DividendsCommonStock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DividendsCommonStock" xml:lang="en-US">Dividends, Common Stock</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DividendsCommonStock" xml:lang="en-US">Stock dividend</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_DividendsCommonStock" xml:lang="en-US">Stock dividend</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DividendsCommonStock" xlink:to="lab_us-gaap_DividendsCommonStock"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xml:lang="en-US">Other Comprehensive Income (Loss), Net Of Tax [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xml:lang="en-US">Other comprehensive income (loss):</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax" xml:lang="en-US">Other Comprehensive Income (Loss), Reclassification Adjustment For Sale Of Securities Included In Net Income, Net Of Tax</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax" xml:lang="en-US">Reclassification adjustments for gains included in net income, net of tax</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xml:lang="en-US">Other Comprehensive Income (Loss), Unrealized Holding Gain (Loss) On Securities Arising During Period, Net Of Tax</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xml:lang="en-US">Net unrealized gain or loss on securities available-for-sale, net of tax</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease" xlink:label="loc_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease" xml:lang="en-US">Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Adjustment, Net Of Tax</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease" xml:lang="en-US">FASB ASC 715 adjustment, net of tax</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease" xml:lang="en-US">Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Adjustment, Net of Tax, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease" xlink:to="lab_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation" xml:lang="en-US">Stock Issued During Period, Value, Share-Based Compensation, Net Of Forfeitures</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation" xml:lang="en-US">Issuance of common shares pursuant to stock-based compensation plan, net</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation" xml:lang="en-US">Stock Issued During Period, Value, Share-based Compensation, Net of Forfeitures, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation" xlink:to="lab_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" xml:lang="en-US">Stock Issued During Period, Value, Stock Options Exercised</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" xml:lang="en-US">Exercise of stock options and SARs</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised" xlink:to="lab_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xml:lang="en-US">Adjustments To Additional Paid In Capital, Share-Based Compensation, Requisite Service Period Recognition</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xml:lang="en-US">Stock-based compensation expense</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xml:lang="en-US">Adjustments to Additional Paid in Capital, Share-based Compensation, Requisite Service Period Recognition, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:to="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecurities" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecurities"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecurities" xml:lang="en-US">Stock Issued During Period, Value, Conversion Of Convertible Securities</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecurities" xml:lang="en-US">Subordinated debenture conversion</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecurities" xlink:to="lab_us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecurities"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfTax" xlink:label="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfTax"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfTax" xml:lang="en-US">Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Gain (Loss) Arising During Period, Net Of Tax</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfTax" xml:lang="en-US">Foreign currency translation</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfTax"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTax" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTax" xml:lang="en-US">Comprehensive Income (Loss), Net Of Tax, Attributable To Parent</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTax" xml:lang="en-US">Comprehensive income</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax" xlink:to="lab_us-gaap_ComprehensiveIncomeNetOfTax"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_SharehlodersEquityParantheticalAbstract" xlink:label="loc_cass_SharehlodersEquityParantheticalAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cass_SharehlodersEquityParantheticalAbstract" xml:lang="en-US">Sharehloders Equity (Paranthetical) [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_cass_SharehlodersEquityParantheticalAbstract" xml:lang="en-US">Sharehloders Equity (Paranthetical) [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cass_SharehlodersEquityParantheticalAbstract" xlink:to="lab_cass_SharehlodersEquityParantheticalAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommonStockDividendsPerShareCashPaid" xlink:label="loc_us-gaap_CommonStockDividendsPerShareCashPaid"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CommonStockDividendsPerShareCashPaid" xml:lang="en-US">Common Stock, Dividends, Per Share, Cash Paid</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CommonStockDividendsPerShareCashPaid" xml:lang="en-US">Common Stock, Dividends, Per Share, Cash Paid</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockDividendsPerShareCashPaid" xlink:to="lab_us-gaap_CommonStockDividendsPerShareCashPaid"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation" xml:lang="en-US">Stock Issued During Period, Shares, Share-Based Compensation, Net Of Forfeitures</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation" xml:lang="en-US">Stock Issued During Period, Shares, Share-based Compensation, Net of Forfeitures, Total</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation" xml:lang="en-US">Stock Issued During Period, Shares, Share-based Compensation, Net of Forfeitures, Total</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation" xlink:to="lab_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesPurchaseOfAssets" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesPurchaseOfAssets"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesPurchaseOfAssets" xml:lang="en-US">Stock Issued During Period, Shares, Purchase Of Assets</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesPurchaseOfAssets" xml:lang="en-US">Stock Issued During Period, Shares, Purchase of Assets</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodSharesPurchaseOfAssets" xlink:to="lab_us-gaap_StockIssuedDuringPeriodSharesPurchaseOfAssets"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AccountingPoliciesAbstract" xlink:label="loc_us-gaap_AccountingPoliciesAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AccountingPoliciesAbstract" xml:lang="en-US">Accounting Policies [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_AccountingPoliciesAbstract" xml:lang="en-US">Accounting Policies [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountingPoliciesAbstract" xlink:to="lab_us-gaap_AccountingPoliciesAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SignificantAccountingPoliciesTextBlock" xlink:label="loc_us-gaap_SignificantAccountingPoliciesTextBlock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SignificantAccountingPoliciesTextBlock" xml:lang="en-US">Significant Accounting Policies [Text Block]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_SignificantAccountingPoliciesTextBlock" xml:lang="en-US">Significant Accounting Policies [Text Block]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:to="lab_us-gaap_SignificantAccountingPoliciesTextBlock"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_BankingAndThriftAbstract" xlink:label="loc_us-gaap_BankingAndThriftAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_BankingAndThriftAbstract" xml:lang="en-US">Banking and Thrift [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_BankingAndThriftAbstract" xml:lang="en-US">Capital Requirements and Regulatory Restrictions [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BankingAndThriftAbstract" xlink:to="lab_us-gaap_BankingAndThriftAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:label="loc_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xml:lang="en-US">Regulatory Capital Requirements Under Banking Regulations [Text Block]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xml:lang="en-US">Regulatory Capital Requirements under Banking Regulations [Text Block]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock" xlink:to="lab_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_InvestmentInSecuritiesAbstract" xlink:label="loc_cass_InvestmentInSecuritiesAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cass_InvestmentInSecuritiesAbstract" xml:lang="en-US">Investment In Securities [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_cass_InvestmentInSecuritiesAbstract" xml:lang="en-US">Investment In Securities [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cass_InvestmentInSecuritiesAbstract" xlink:to="lab_cass_InvestmentInSecuritiesAbstract"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_InvestmentInSecuritiesTextBlock" xlink:label="loc_cass_InvestmentInSecuritiesTextBlock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cass_InvestmentInSecuritiesTextBlock" xml:lang="en-US">Investment In Securities [Text Block]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_cass_InvestmentInSecuritiesTextBlock" xml:lang="en-US">The entire disclosure investment in securities during the period.</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_cass_InvestmentInSecuritiesTextBlock" xml:lang="en-US">Investment In Securities [Text Block]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cass_InvestmentInSecuritiesTextBlock" xlink:to="lab_cass_InvestmentInSecuritiesTextBlock"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ReceivablesAbstract" xlink:label="loc_us-gaap_ReceivablesAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ReceivablesAbstract" xml:lang="en-US">Receivables [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_ReceivablesAbstract" xml:lang="en-US">Loans By Type Disclosure [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReceivablesAbstract" xlink:to="lab_us-gaap_ReceivablesAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:label="loc_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xml:lang="en-US">Loans, Notes, Trade and Other Receivables Disclosure [Text Block]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xml:lang="en-US">Loans, Notes, Trade and Other Receivables Disclosure [Text Block]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:to="lab_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PropertyPlantAndEquipmentAbstract" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentAbstract" xml:lang="en-US">Property, Plant and Equipment [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentAbstract" xml:lang="en-US">Property, Plant and Equipment [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentAbstract" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xml:lang="en-US">Property, Plant and Equipment Disclosure [Text Block]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xml:lang="en-US">Property, Plant and Equipment Disclosure [Text Block]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xml:lang="en-US">Goodwill and Intangible Assets Disclosure [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xml:lang="en-US">Intangible Asset Description [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract" xlink:to="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock" xml:lang="en-US">Goodwill and Intangible Assets Disclosure [Text Block]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock" xml:lang="en-US">Goodwill and Intangible Assets Disclosure [Text Block]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock" xlink:to="lab_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_InterestBearingDepositsAbstract" xlink:label="loc_cass_InterestBearingDepositsAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cass_InterestBearingDepositsAbstract" xml:lang="en-US">Interest Bearing Deposits [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_cass_InterestBearingDepositsAbstract" xml:lang="en-US">Interest-Bearing Deposits [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cass_InterestBearingDepositsAbstract" xlink:to="lab_cass_InterestBearingDepositsAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:label="loc_us-gaap_DepositLiabilitiesDisclosuresTextBlock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xml:lang="en-US">Deposit Liabilities Disclosures [Text Block]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xml:lang="en-US">Deposit Liabilities Disclosures [Text Block]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepositLiabilitiesDisclosuresTextBlock" xlink:to="lab_us-gaap_DepositLiabilitiesDisclosuresTextBlock"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DebtDisclosureAbstract" xlink:label="loc_us-gaap_DebtDisclosureAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DebtDisclosureAbstract" xml:lang="en-US">Debt Disclosure [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DebtDisclosureAbstract" xml:lang="en-US">Debt Disclosure [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtDisclosureAbstract" xlink:to="lab_us-gaap_DebtDisclosureAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DebtDisclosureTextBlock" xlink:label="loc_us-gaap_DebtDisclosureTextBlock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DebtDisclosureTextBlock" xml:lang="en-US">Debt Disclosure [Text Block]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DebtDisclosureTextBlock" xml:lang="en-US">Debt Disclosure [Text Block]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtDisclosureTextBlock" xlink:to="lab_us-gaap_DebtDisclosureTextBlock"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="loc_us-gaap_EarningsPerShareAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EarningsPerShareAbstract" xml:lang="en-US">Earnings Per Share [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_EarningsPerShareAbstract" xml:lang="en-US">Earnings Per Share [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareAbstract" xlink:to="lab_us-gaap_EarningsPerShareAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_EarningsPerShareTextBlock" xlink:label="loc_us-gaap_EarningsPerShareTextBlock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EarningsPerShareTextBlock" xml:lang="en-US">Earnings Per Share [Text Block]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_EarningsPerShareTextBlock" xml:lang="en-US">Earnings Per Share [Text Block]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareTextBlock" xlink:to="lab_us-gaap_EarningsPerShareTextBlock"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:label="loc_us-gaap_CompensationAndRetirementDisclosureAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CompensationAndRetirementDisclosureAbstract" xml:lang="en-US">Compensation and Retirement Disclosure [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CompensationAndRetirementDisclosureAbstract" xml:lang="en-US">Defined Pension Plans Disclosure [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CompensationAndRetirementDisclosureAbstract" xlink:to="lab_us-gaap_CompensationAndRetirementDisclosureAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock" xlink:label="loc_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock" xml:lang="en-US">Pension and Other Postretirement Benefits Disclosure [Text Block]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock" xml:lang="en-US">Pension and Other Postretirement Benefits Disclosure [Text Block]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock" xlink:to="lab_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xml:lang="en-US">Disclosure Of Compensation Related Costs, Share-Based Payments [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xml:lang="en-US">Stock Based Compensation Disclosure [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract" xlink:to="lab_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:label="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xml:lang="en-US">Disclosure Of Compensation Related Costs, Share-Based Payments [Text Block]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xml:lang="en-US">Disclosure of Compensation Related Costs, Share-based Payments [Text Block]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock" xlink:to="lab_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_OtherOperatingExpenseAbstract" xlink:label="loc_cass_OtherOperatingExpenseAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cass_OtherOperatingExpenseAbstract" xml:lang="en-US">Other Operating Expense [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_cass_OtherOperatingExpenseAbstract" xml:lang="en-US">Other Operating Expense [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cass_OtherOperatingExpenseAbstract" xlink:to="lab_cass_OtherOperatingExpenseAbstract"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_OtherOperatingExpenseTextBlock" xlink:label="loc_cass_OtherOperatingExpenseTextBlock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_cass_OtherOperatingExpenseTextBlock" xml:lang="en-US">Other Operating Expense [Text Block]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="lab_cass_OtherOperatingExpenseTextBlock" xml:lang="en-US">The entire disclosure for other operating expense includes such items as postage, professional fees, data processing services, etc. incurred by the entity during the period.</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_cass_OtherOperatingExpenseTextBlock" xml:lang="en-US">Other Operating Expense [Text Block]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_cass_OtherOperatingExpenseTextBlock" xlink:to="lab_cass_OtherOperatingExpenseTextBlock"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncomeTaxDisclosureAbstract" xlink:label="loc_us-gaap_IncomeTaxDisclosureAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncomeTaxDisclosureAbstract" xml:lang="en-US">Income Tax Disclosure [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_IncomeTaxDisclosureAbstract" xml:lang="en-US">Income Taxes Dislcosure [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxDisclosureAbstract" xlink:to="lab_us-gaap_IncomeTaxDisclosureAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncomeTaxDisclosureTextBlock" xlink:label="loc_us-gaap_IncomeTaxDisclosureTextBlock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncomeTaxDisclosureTextBlock" xml:lang="en-US">Income Tax Disclosure [Text Block]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_IncomeTaxDisclosureTextBlock" xml:lang="en-US">Income Tax Disclosure [Text Block]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxDisclosureTextBlock" xlink:to="lab_us-gaap_IncomeTaxDisclosureTextBlock"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xml:lang="en-US">Commitments and Contingencies Disclosure [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xml:lang="en-US">Commitments and Contingencies Disclosure [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:to="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xml:lang="en-US">Commitments and Contingencies Disclosure [Text Block]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xml:lang="en-US">Commitments and Contingencies Disclosure [Text Block]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:to="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FairValueDisclosuresAbstract" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FairValueDisclosuresAbstract" xml:lang="en-US">Fair Value Disclosures [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_FairValueDisclosuresAbstract" xml:lang="en-US">Fair Value Of Financial Instruments Disclosure [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract" xlink:to="lab_us-gaap_FairValueDisclosuresAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FairValueDisclosuresTextBlock" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_FairValueDisclosuresTextBlock" xml:lang="en-US">Fair Value Disclosures [Text Block]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_FairValueDisclosuresTextBlock" xml:lang="en-US">Fair Value Disclosures [Text Block]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosuresTextBlock" xlink:to="lab_us-gaap_FairValueDisclosuresTextBlock"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SegmentReportingAbstract" xlink:label="loc_us-gaap_SegmentReportingAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SegmentReportingAbstract" xml:lang="en-US">Segment Reporting [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_SegmentReportingAbstract" xml:lang="en-US">Industry Segment Information Disclosure [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingAbstract" xlink:to="lab_us-gaap_SegmentReportingAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SegmentReportingDisclosureTextBlock" xlink:label="loc_us-gaap_SegmentReportingDisclosureTextBlock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SegmentReportingDisclosureTextBlock" xml:lang="en-US">Segment Reporting Disclosure [Text Block]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_SegmentReportingDisclosureTextBlock" xml:lang="en-US">Segment Reporting Disclosure [Text Block]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingDisclosureTextBlock" xlink:to="lab_us-gaap_SegmentReportingDisclosureTextBlock"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SubsequentEventsAbstract" xlink:label="loc_us-gaap_SubsequentEventsAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SubsequentEventsAbstract" xml:lang="en-US">Subsequent Events [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_SubsequentEventsAbstract" xml:lang="en-US">Subsequent Events Disclosure [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventsAbstract" xlink:to="lab_us-gaap_SubsequentEventsAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SubsequentEventsTextBlock" xlink:label="loc_us-gaap_SubsequentEventsTextBlock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_SubsequentEventsTextBlock" xml:lang="en-US">Subsequent Events [Text Block]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_SubsequentEventsTextBlock" xml:lang="en-US">Subsequent Events [Text Block]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventsTextBlock" xlink:to="lab_us-gaap_SubsequentEventsTextBlock"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:label="loc_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xml:lang="en-US">Condensed Financial Information Of Parent Company Only Disclosure [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xml:lang="en-US">Condensed Financial Information of Parent Company Only Disclosure [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract" xlink:to="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:label="loc_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xml:lang="en-US">Condensed Financial Information Of Parent Company Only Disclosure [Text Block]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xml:lang="en-US">Condensed Financial Information of Parent Company Only Disclosure [Text Block]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock" xlink:to="lab_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DisclosureTextBlockSupplementAbstract" xlink:label="loc_us-gaap_DisclosureTextBlockSupplementAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DisclosureTextBlockSupplementAbstract" xml:lang="en-US">Disclosure Text Block Supplement [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_DisclosureTextBlockSupplementAbstract" xml:lang="en-US">Disclosure Text Block Supplement [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisclosureTextBlockSupplementAbstract" xlink:to="lab_us-gaap_DisclosureTextBlockSupplementAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AdditionalFinancialInformationDisclosureTextBlock" xlink:label="loc_us-gaap_AdditionalFinancialInformationDisclosureTextBlock"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AdditionalFinancialInformationDisclosureTextBlock" xml:lang="en-US">Additional Financial Information Disclosure [Text Block]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_AdditionalFinancialInformationDisclosureTextBlock" xml:lang="en-US">Additional Financial Information Disclosure [Text Block]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdditionalFinancialInformationDisclosureTextBlock" xlink:to="lab_us-gaap_AdditionalFinancialInformationDisclosureTextBlock"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="loc_us-gaap_LiabilitiesAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_LiabilitiesAbstract" xml:lang="en-US">Liabilities [Abstract]</label>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_LiabilitiesAbstract" xml:lang="en-US">Liabilities:</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesAbstract" xlink:to="lab_us-gaap_LiabilitiesAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:label="loc_us-gaap_StatementClassOfStockAxis"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StatementClassOfStockAxis" xml:lang="en-US">Class of Stock [Axis]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementClassOfStockAxis" xlink:to="lab_us-gaap_StatementClassOfStockAxis"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_EquityComponentDomain" xlink:label="loc_us-gaap_EquityComponentDomain"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_EquityComponentDomain" xml:lang="en-US">Equity Component [Domain]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquityComponentDomain" xlink:to="lab_us-gaap_EquityComponentDomain"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:label="loc_us-gaap_ClassOfStockDomain"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_ClassOfStockDomain" xml:lang="en-US">Class of Stock [Domain]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfStockDomain" xlink:to="lab_us-gaap_ClassOfStockDomain"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xml:lang="en-US">Increase (Decrease) in Stockholders' Equity [Roll Forward]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:to="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharebasedCompensationAbstract" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharebasedCompensationAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharebasedCompensationAbstract" xml:lang="en-US">Stock Issued or Granted During Period, Share-based Compensation [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodSharebasedCompensationAbstract" xlink:to="lab_us-gaap_StockIssuedDuringPeriodSharebasedCompensationAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueShareBasedCompensationNetOfForfeituresAbstract" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensationNetOfForfeituresAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensationNetOfForfeituresAbstract" xml:lang="en-US">Stock Issued During Period, Value, Share-based Compensation, Net of Forfeitures [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensationNetOfForfeituresAbstract" xlink:to="lab_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensationNetOfForfeituresAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecuritiesNetOfAdjustmentsAbstract" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecuritiesNetOfAdjustmentsAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecuritiesNetOfAdjustmentsAbstract" xml:lang="en-US">Stock Issued During Period, Value, Conversion of Convertible Securities, Net of Adjustments [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecuritiesNetOfAdjustmentsAbstract" xlink:to="lab_us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecuritiesNetOfAdjustmentsAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalAbstract" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalAbstract" xml:lang="en-US">Adjustments to Additional Paid in Capital [Abstract]</label>
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		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionAbstract" xlink:to="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionAbstract"/>
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		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="lab_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract" xml:lang="en-US">Foreign currency translation</label>
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		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:to="lab_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:label="loc_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract" xml:lang="en-US">Other Comprehensive Income (Loss), Available-for-sale Securities Adjustment, Net of Tax [Abstract]</label>
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		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DividendsAbstract" xlink:label="loc_us-gaap_DividendsAbstract"/>
		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DividendsAbstract" xml:lang="en-US">Dividends [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DividendsAbstract" xlink:to="lab_us-gaap_DividendsAbstract"/>
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		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DividendsCommonStockAbstract" xml:lang="en-US">Dividends, Common Stock [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DividendsCommonStockAbstract" xlink:to="lab_us-gaap_DividendsCommonStockAbstract"/>
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		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DividendsByTypeAlternativeAbstract" xml:lang="en-US">Dividends, by Type Alternative [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DividendsByTypeAlternativeAbstract" xlink:to="lab_us-gaap_DividendsByTypeAlternativeAbstract"/>
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		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_DividendsCashAbstract" xml:lang="en-US">Dividends, Cash [Abstract]</label>
		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DividendsCashAbstract" xlink:to="lab_us-gaap_DividendsCashAbstract"/>
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		<labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ParentMember" xlink:to="lab_us-gaap_ParentMember"/>
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		<label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="lab_us-gaap_StatementScenarioAxis" xml:lang="en-US">Statement, Scenario [Axis]</label>
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	</labelLink></linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>12
<FILENAME>cass-20111231_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="UTF-8"?>
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<linkbase xmlns="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
	<roleRef xlink:type="simple" xlink:href="cass-20111231.xsd#StatementOfFinancialPositionUnclassified-DepositBasedOperations" roleURI="http://www.cassinfo.com/role/StatementOfFinancialPositionUnclassified-DepositBasedOperations"/>
	<calculationLink xlink:type="extended" xlink:role="http://www.cassinfo.com/role/StatementOfFinancialPositionUnclassified-DepositBasedOperations">
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_CashCashEquivalentsFederalFundsSoldAndOtherShortTermInvestments" xlink:label="loc_cass_CashCashEquivalentsFederalFundsSoldAndOtherShortTermInvestments"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CashAndDueFromBanks" xlink:label="loc_us-gaap_CashAndDueFromBanks"/>
		<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_cass_CashCashEquivalentsFederalFundsSoldAndOtherShortTermInvestments" xlink:to="loc_us-gaap_CashAndDueFromBanks" order="20" use="optional" weight="1"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestBearingDepositsInBanks" xlink:label="loc_us-gaap_InterestBearingDepositsInBanks"/>
		<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_cass_CashCashEquivalentsFederalFundsSoldAndOtherShortTermInvestments" xlink:to="loc_us-gaap_InterestBearingDepositsInBanks" order="40" use="optional" weight="1"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_FederalFundsSoldAndOtherShortTermInvestments" xlink:label="loc_cass_FederalFundsSoldAndOtherShortTermInvestments"/>
		<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_cass_CashCashEquivalentsFederalFundsSoldAndOtherShortTermInvestments" xlink:to="loc_cass_FederalFundsSoldAndOtherShortTermInvestments" order="60" use="optional" weight="1"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmount"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" xlink:label="loc_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome"/>
		<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:to="loc_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome" order="20" use="optional" weight="1"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="loc_us-gaap_LoansAndLeasesReceivableAllowance"/>
		<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:to="loc_us-gaap_LoansAndLeasesReceivableAllowance" order="40" use="optional" weight="-1"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Assets" xlink:label="loc_us-gaap_Assets"/>
		<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets" xlink:to="loc_cass_CashCashEquivalentsFederalFundsSoldAndOtherShortTermInvestments" order="20" use="optional" weight="1"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AvailableForSaleSecurities" xlink:label="loc_us-gaap_AvailableForSaleSecurities"/>
		<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets" xlink:to="loc_us-gaap_AvailableForSaleSecurities" order="40" use="optional" weight="1"/>
		<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets" xlink:to="loc_us-gaap_LoansAndLeasesReceivableNetReportedAmount" order="60" use="optional" weight="1"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentNet"/>
		<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets" xlink:to="loc_us-gaap_PropertyPlantAndEquipmentNet" order="80" use="optional" weight="1"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_BankOwnedLifeInsurance" xlink:label="loc_us-gaap_BankOwnedLifeInsurance"/>
		<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets" xlink:to="loc_us-gaap_BankOwnedLifeInsurance" order="100" use="optional" weight="1"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_PaymentsInExcessOfFunding" xlink:label="loc_cass_PaymentsInExcessOfFunding"/>
		<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets" xlink:to="loc_cass_PaymentsInExcessOfFunding" order="120" use="optional" weight="1"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Goodwill" xlink:label="loc_us-gaap_Goodwill"/>
		<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets" xlink:to="loc_us-gaap_Goodwill" order="140" use="optional" weight="1"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
		<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill" order="160" use="optional" weight="1"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherAssets" xlink:label="loc_us-gaap_OtherAssets"/>
		<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Assets" xlink:to="loc_us-gaap_OtherAssets" order="180" use="optional" weight="1"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Deposits" xlink:label="loc_us-gaap_Deposits"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoninterestBearingDepositLiabilities" xlink:label="loc_us-gaap_NoninterestBearingDepositLiabilities"/>
		<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Deposits" xlink:to="loc_us-gaap_NoninterestBearingDepositLiabilities" order="20" use="optional" weight="1"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestBearingDepositLiabilities" xlink:label="loc_us-gaap_InterestBearingDepositLiabilities"/>
		<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Deposits" xlink:to="loc_us-gaap_InterestBearingDepositLiabilities" order="40" use="optional" weight="1"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Liabilities" xlink:label="loc_us-gaap_Liabilities"/>
		<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities" xlink:to="loc_us-gaap_Deposits" order="20" use="optional" weight="1"/>
		<loc xlink:type="locator" xlink:href="cass-20111231.xsd#cass_AccountsAndDraftsPayable" xlink:label="loc_cass_AccountsAndDraftsPayable"/>
		<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities" xlink:to="loc_cass_AccountsAndDraftsPayable" order="40" use="optional" weight="1"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="loc_us-gaap_OtherLiabilities"/>
		<calculationArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities" xlink:to="loc_us-gaap_OtherLiabilities" order="60" use="optional" weight="1"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="loc_us-gaap_StockholdersEquity"/>
		<loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PreferredStockValue" xlink:label="loc_us-gaap_PreferredStockValue"/>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>13
<FILENAME>cass-20111231_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE
<TEXT>
<XBRL>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>15
<FILENAME>0001206774-12-001006-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
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<DOCUMENT>
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<FILENAME>R25.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Condensed Financial Information of Parent Company<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract', window );"><strong>Condensed Financial Information Of Parent Company Only Disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock', window );">Condensed Financial Information of Parent Company Only Disclosure [Text Block]</a></td>
        <td class="text"><p align="justify"><b><font style="font-family:times new roman" size="2">Note 18<br /></font></b><b><font style="font-family:times new roman" size="2">Condensed Financial Information of Parent Company</font></b></p>
<p align="justify"><font style="font-family:times new roman" size="2">Following are the condensed balance sheets of the Company (parent company only) and the related condensed statements of income and cash flows.</font></p>
<table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="94%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="5%" colspan="5"><b><font style="font-family:times new roman" size="2">Condensed Balance Sheets</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="94%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="5"><b><font style="font-family:times new roman" size="2">December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="94%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="94%" bgcolor="#c0c0c0"><b><font style="font-family:times new roman" size="2">Assets</font></b></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="94%"><font style="font-family:times new roman" size="2">Cash and due from banks</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">26,986</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">17,842</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="94%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Short-term investments</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">95,043</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">61,775</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="94%"><font style="font-family:times new roman" size="2">Securities available-for-sale, at fair value</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">310,612</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">264,569</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="94%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Loans, net</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">173,854</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">193,622</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="94%"><font style="font-family:times new roman" size="2">Investments in subsidiary</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">58,582</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">52,091</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="94%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Premises and equipment, net</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">9,305</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">9,093</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="94%"><font style="font-family:times new roman" size="2">Other assets</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td
 align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">93,582</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">66,080</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="94%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total assets</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">767,964</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">665,072</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="94%"><b><font style="font-family:times new roman" size="2">Liabilities and Shareholders&#8217; Equity</font></b></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="94%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Liabilities:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="94%"><font style="font-family:times new roman" size="2">Accounts and drafts payable</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">595,201</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">516,107</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="94%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Other liabilities</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">12,183</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">6,871</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="94%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total liabilities</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">607,384</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">522,978</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="94%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total shareholders&#8217; equity</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">160,580</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">142,094</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="94%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total liabilities and shareholders&#8217; equity</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">767,964</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">665,072</font></td>
</tr>
</table>
<div>&#160;</div>
<table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="8%" colspan="8"><b><font
 style="font-family:times new roman" size="2">Condensed Statement of Income</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="8%" colspan="8"><b><font style="font-family:times new roman" size="2">For the Years Ended December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="91%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"><b><font style="font-family:times new roman" size="2">2009</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Income from subsidiary:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Interest</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">18</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">24</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">115</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Management fees</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,794</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,849</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,882</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Income from subsidiary</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">1,812</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">1,873</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">1,997</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Information services revenue</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">60,688</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">54,183</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">48,665</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%"><font style="font-family:times new roman" size="2">Net interest income after provision</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">19,933</font></td>
<td
 align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">18,373</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">18,157</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Gain on sales of investment securities</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">43</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">697</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%"><font style="font-family:times new roman" size="2">Other income</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">701</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">549</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">551</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total income</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">83,177</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">74,978</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">70,067</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%"><font style="font-family:times new roman" size="2">Expenses:</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Salaries and employee benefits</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">50,296</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">45,598</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">45,172</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Other expenses</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">14,462</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">13,205</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">11,690</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total expenses</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">64,758</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman"
 size="2">58,803</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">56,862</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%"><font style="font-family:times new roman" size="2">Income before income tax and equity in undistributed income<br />&#160;&#160;&#160;&#160;of subsidiary</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">18,419</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">16,175</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">13,205</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Income tax expense</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">3,156</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2,955</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2,158</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%"><font style="font-family:times new roman" size="2">Income before undistributed income of subsidiary</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">15,263</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">13,220</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">11,047</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Equity in undistributed income of subsidiary</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">7,746</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">7,090</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5,082</font></td>
</tr>
<tr>
<td align="left" nowrap="nowrap" width="91%">&#160;</td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Net income</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">23,009</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">20,310</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">16,129</font></td>
</tr>
</table>
<div>&#160;</div>
<div style="page-break-before: always;">&#160;</div>
<table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="17%" colspan="11"><b><font style="font-family:times new roman" size="2">Condensed Statements of
 Cash Flows</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="17%" colspan="11"><b><font style="font-family:times new roman" size="2">For the Years Ended December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">2009</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Cash flows from operating activities:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">Net income</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">23,009</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">20,310</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">16,129</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Adjustments to reconcile net income to net cash provided<br />&#160;&#160;&#160;&#160;&#160;&#160;&#160;by (used in) operating activities:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Equity in undistributed income of subsidiary</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(7,746</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(7,090</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(5,082</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Net change in other assets</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(19,669</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman"
 size="2">(4,463</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">187</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Net change in other liabilities</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,655</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(4,930</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(962</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Amortization of stock-based awards</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,390</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,472</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,193</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Other, net</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(7,497</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(325</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Net cash (used in) provided by operating activities</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(8,858</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5,299</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">11,140</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">Cash flows from investing activities:</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td
 align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Net increase in securities</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(37,329</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(45,173</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(22,226</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">Net (increase) decrease in loans</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">19,068</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(19,911</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">53,364</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Purchases of premises and equipment, net</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(2,107</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(1,166</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(901</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Net cash (used in) provided by investing activities</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(20,368</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(66,250</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">30,237</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Cash flows from financing activities:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">Net increase (decrease) in accounts and drafts payable</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td
 align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">79,094</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">85,856</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(48,774</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Cash dividends paid</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(6,279</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(5,448</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(4,925</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">Purchase of common shares for treasury</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(467</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Other financing activities</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(1,177</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(275</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">603</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Net cash provided by (used in) financing activities</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">71,638</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">79,666</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(53,096</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Net increase (decrease) in cash and cash equivalents</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">42,412</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%"
 bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">18,715</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(11,719</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">Cash and cash equivalents at beginning of year</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">79,617</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">60,902</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">72,621</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Cash and cash equivalents at end of year</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">122,029</font></td>
<td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">79,617</font></td>
<td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">60,902</font></td>
<td align="left" style="border-bottom: #000000 2pt double;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for condensed financial information, including the financial position, cash flows, and the results of operations of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 06<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 05<br><br> -Paragraph c<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph c<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 3<br><br> -Subparagraph (SX 210.12-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e24072-122690<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 24<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 12<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6921628&amp;loc=d3e5283-111683<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Capital Requirements and Regulatory Restrictions<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankingAndThriftAbstract', window );"><strong>Banking and Thrift [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
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        <td class="text"><p align="justify"><b><font style="font-family:times new roman" size="2">Note 2<br /></font></b><b><font style="font-family:times new roman" size="2">Capital Requirements and Regulatory Restrictions</font></b></p>
<p align="justify"><font style="font-family:times new roman" size="2">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&#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&#8217;s capital amounts and classifications are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.</font></p>
<p align="justify"><font style="font-family:times new roman" size="2">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.</font></p>
<p align="justify"><font style="font-family:times new roman" size="2">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&#8217;s category.</font></p>
<div style="page-break-before: always;"><font style="font-family:times new roman" size="2">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&#8217;s capital to be reduced below applicable minimum capital requirements. </font></div>
<p align="justify"><font style="font-family:times new roman" size="2">There were no restricted funds on deposit used to meet regulatory reserve requirements at December 31, 2011 and 2010.</font><font style="font-family:times new roman" size="1"> </font></p>
<p align="justify"><font style="font-family:times new roman" size="2">The Company&#8217;s and the Bank&#8217;s actual and required capital amounts and ratios as are as follows: </font></p>
<table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="68%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="10%" colspan="6"><b><font style="font-family:times new roman" size="2">Capital</font></b></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="9%" colspan="5"><b><font style="font-family:times new roman" size="2">Requirement to be</font></b></td>
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<tr valign="bottom">
<td align="left" nowrap="nowrap" width="68%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="10%" colspan="6"><b><font style="font-family:times new roman" size="2">Actual</font></b></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="10%" colspan="6"><b><font style="font-family:times new roman" size="2">Requirements</font></b></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"><b><font style="font-family:times new roman" size="2">Well Capitalized</font></b></td>
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<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="68%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Amount</font></b></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><strong><font style="font-family:times new roman" size="2">Ratio</font></strong></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Amount</font></b></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><strong><font style="font-family:times new roman" size="2">Ratio</font></strong></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Amount</font></b></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><strong><font style="font-family:times new roman" size="2">Ratio</font></strong></td>
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<tr valign="bottom">
<td
 align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"><b><font style="font-family:times new roman" size="2">At December 31, 2011</font></b></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="68%"><font style="font-family:times new roman" size="2">Total capital (to risk-weighted assets)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Cass Information Systems, Inc.</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">166,605</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;</td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">19.03</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">%</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">70,033</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;</td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">8.00</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">%</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">N/A</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">N/A</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">%</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="68%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Cass Commercial Bank</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">66,851</font></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">12.71</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">42,070</font></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">8.00</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">52,588</font></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">10.00</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Tier I capital (to risk-weighted assets)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%"
 bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="68%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Cass Information Systems, Inc.</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">155,638</font></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">17.78</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">35,016</font></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">4.00</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">N/A</font></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">N/A</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Cass Commercial Bank</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">60,248</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">11.46</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">21,035</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">4.00</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">31,553</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">6.00</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="68%"><font style="font-family:times new roman" size="2">Tier I capital (to average assets)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Cass Information Systems, Inc.</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">155,638</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">11.53</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman"
 size="2">40,502</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">3.00</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">N/A</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">N/A</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="68%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Cass Commercial Bank</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">60,248</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">9.49</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">19,044</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">3.00</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">31,741</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">5.00</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"><b><font style="font-family:times new roman" size="2">At December 31, 2010</font></b></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="68%"><font style="font-family:times new roman" size="2">Total capital (to risk-weighted assets)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Cass Information Systems, Inc.</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">148,659</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">16.82</font></td>
<td align="left"
 nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">%</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">70,695</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">8.00</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">%</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">N/A</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">N/A</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">%</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="68%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Cass Commercial Bank</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">58,838</font></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">10.72</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">43,916</font></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">8.00</font></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">54,895</font></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">10.00</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Tier I capital (to risk-weighted assets)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
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<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
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<td align="left" nowrap="nowrap" width="68%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Cass Information Systems, Inc.</font></td>
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<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">137,603</font></td>
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<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">15.57</font></td>
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<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
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<td align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Cass Commercial Bank</font></td>
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<td align="right" nowrap="nowrap" width="3%"
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<td align="left" nowrap="nowrap" width="68%"><font style="font-family:times new roman" size="2">Tier I capital (to average assets)</font></td>
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<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
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<td align="left" nowrap="nowrap" width="3%"></td>
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<td align="left" nowrap="nowrap" width="68%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Cass Information Systems, Inc.</font></td>
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<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">51,955</font></td>
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<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
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<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">3.00</font></td>
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<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
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<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">29,121</font></td>
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<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman"
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<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;</td>
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                <p>The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable.  The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.</p>
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                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1G<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958577-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958570-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1E<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958574-112826<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15, 16, 17<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1C<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958572-112826<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1F<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958575-112826<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1D<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958573-112826<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1A<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958569-112826<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Summary of Significant Accounting Policies<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountingPoliciesAbstract', window );"><strong>Accounting Policies [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SignificantAccountingPoliciesTextBlock', window );">Significant Accounting Policies [Text Block]</a></td>
        <td class="text"><p align="justify"><b><font style="font-family:times new roman" size="2">Note 1<br /></font></b><b><font style="font-family:times new roman" size="2">Summary of Significant Accounting Policies </font></b></p>
<p align="justify"><b><i><font style="font-family:times new roman" size="2">Summary of Operations </font></i></b><font style="font-family:times new roman" size="2">Cass Information Systems, Inc</font><b><font style="font-family:times new roman" size="2">. </font></b><font style="font-family:times new roman" size="2">(the &#8220;Company&#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, &#8220;Accounts and drafts payable&#8221; and &#8220;Payments in excess of funding,&#8221; represent the Company&#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 &#8220;Bank&#8221;), its wholly owned bank subsidiary. </font></p>
<p align="justify"><b><i><font style="font-family:times new roman" size="2">Basis of Presentation</font></i></b><font style="font-family:times new roman" size="2"> 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&#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. </font></p>
<p align="justify"><b><i><font style="font-family:times new roman" size="2">Use of Estimates </font></i></b><font style="font-family:times new roman" size="2">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.</font></p>
<p align="justify"><b><i><font style="font-family:times new roman" size="2">Cash and Cash Equivalents</font></i></b><font style="font-family:times new roman" size="2"> 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. </font></p>
<p align="justify"><b><i><font style="font-family:times new roman" size="2">Investment in Debt Securities</font></i></b><font style="font-family:times new roman" size="2"> 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&#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.</font></p>
<p align="justify"><b><i><font style="font-family:times new roman" size="2">Allowance for Loan Losses</font></i></b><font style="font-family:times new roman" size="2"> 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&#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&#8217;s judgment, deserve current recognition in estimating loan losses. </font></p>
<p align="justify"><font style="font-family:times new roman" size="2">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&#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. </font></p>
<p align="justify"><b><i><font style="font-family:times new roman" size="2">Premises and Equipment</font></i></b><font style="font-family:times new roman" size="2"> 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. </font></p>
<p align="justify"><b><i><font style="font-family:times new roman" size="2">Intangible Assets</font></i></b><font style="font-family:times new roman" size="2"> 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.</font></p>
<div style="page-break-before: always;"><font style="font-family:times new roman" size="2">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.</font></div>
<p align="justify"><b><i><font style="font-family:times new roman" size="2">Non-marketable Equity Investments </font></i></b><font style="font-family:times new roman" size="2">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.</font></p>
<p align="justify"><b><i><font style="font-family:times new roman" size="2">Foreclosed Assets </font></i></b><font style="font-family:times new roman" size="2">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.</font></p>
<p align="justify"><b><i><font style="font-family:times new roman" size="2">Treasury Stock</font></i></b><font style="font-family:times new roman" size="2"> Purchases of the Company&#8217;s common stock are recorded at cost. Upon reissuance, treasury stock is reduced based upon the average cost basis of shares held.</font></p>
<p align="justify"><b><i><font style="font-family:times new roman" size="2">Comprehensive Income</font></i></b><font style="font-family:times new roman" size="2"> 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.</font></p>
<p align="justify"><b><i><font style="font-family:times new roman" size="2">Loans</font></i></b><font style="font-family:times new roman" size="2"> Interest on loans is recognized based upon the principal amounts outstanding. It is the Company&#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.</font></p>
<p align="justify"><b><i><font style="font-family:times new roman" size="2">Impairment of Loans</font></i></b><font style="font-family:times new roman" size="2"> 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.</font></p>
<p align="justify"><b><i><font style="font-family:times new roman" size="2">Information Services Revenue</font></i></b><font style="font-family:times new roman" size="2"> A majority of the Company&#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&#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.</font></p>
<p align="justify"><b><i><font style="font-family:times new roman" size="2">Income Taxes</font></i></b><font style="font-family:times new roman" size="2"> 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.</font></p>
<p align="justify"><b><i><font style="font-family:times new roman" size="2">Earnings Per Share</font></i></b><font style="font-family:times new roman" size="2"> 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.</font></p>
<p align="justify"><b><i><font style="font-family:times new roman" size="2">Stock-Based Compensation</font></i></b><font style="font-family:times new roman" size="2"> The Company follows FASB ASC 718 &#8220;Accounting for Stock Options and Other Stock-based Compensation&#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.</font></p>
<p align="justify"><b><i><font style="font-family:times new roman" size="2">Pension Plans </font></i></b><font style="font-family:times new roman" size="2">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, &#8220;Compensation &#8211; Retirement Benefits,&#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&#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.</font></p>
<p align="justify"><b><font style="font-family:times new roman" size="2">Impact of New and Not Yet Adopted Accounting Pronouncements </font></b></p>
<p align="justify"><font style="font-family:times new roman" size="2">In June 2011, the FASB issued Accounting Standards Update (&#8220;ASU&#8221;) No. 2011-05 &#8211; </font><i><font style="font-family:times new roman" size="2">Comprehensive Income (ASC Topic 220) </font></i><font style="font-family:times new roman" size="2">&#8211; </font><i><font style="font-family:times new roman" size="2">Presentation of Comprehensive Income.</font></i><font style="font-family:times new roman" size="2"> 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&#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&#8217;s address financial statement presentation, the adoptions will not impact the Company&#8217;s consolidated financial statements or results of operations.</font></p>
<p align="justify"><font style="font-family:times new roman" size="2">In September 2011, the FASB issued ASU No. 2011-08 &#8211; </font><i><font style="font-family:times new roman" size="2">Intangibles </font></i><font style="font-family:times new roman" size="2">&#8211; </font><i><font style="font-family:times new roman" size="2">Goodwill and Other (ASC Topic 350) </font></i><font style="font-family:times new roman" size="2">&#8211; </font><i><font style="font-family:times new roman" size="2">Testing of Goodwill for Impairment.</font></i><font style="font-family:times new roman" size="2"> 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&#8217;s consolidated financial statements or results of operations.</font></p><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for all significant accounting policies of the reporting entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18743-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18854-107790<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 22<br><br> -Paragraph 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18861-107790<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18726-107790<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EQMAG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>CONSOLIDATED BALANCE SHEETS (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>Assets</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndDueFromBanks', window );">Cash and due from banks</a></td>
        <td class="nump">$ 12,579<span></span></td>
        <td class="nump">$ 12,277<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositsInBanks', window );">Interest-bearing deposits in other financial institutions</a></td>
        <td class="nump">123,551<span></span></td>
        <td class="nump">67,299<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cass_FederalFundsSoldAndOtherShortTermInvestments', window );">Federal funds sold and other short-term investments</a></td>
        <td class="nump">99,832<span></span></td>
        <td class="nump">59,353<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cass_CashCashEquivalentsFederalFundsSoldAndOtherShortTermInvestments', window );">Cash and cash equivalents</a></td>
        <td class="nump">235,962<span></span></td>
        <td class="nump">138,929<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecurities', window );">Securities available-for-sale, at fair value</a></td>
        <td class="nump">310,612<span></span></td>
        <td class="nump">264,569<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome', window );">Loans</a></td>
        <td class="nump">671,565<span></span></td>
        <td class="nump">708,633<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Less: Allowance for loan losses</a></td>
        <td class="nump">12,954<span></span></td>
        <td class="nump">11,891<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Loans, net</a></td>
        <td class="nump">658,611<span></span></td>
        <td class="nump">696,742<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Premises and equipment, net</a></td>
        <td class="nump">9,587<span></span></td>
        <td class="nump">9,617<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BankOwnedLifeInsurance', window );">Investments in bank-owned life insurance</a></td>
        <td class="nump">14,375<span></span></td>
        <td class="nump">14,191<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cass_PaymentsInExcessOfFunding', window );">Payments in excess of funding</a></td>
        <td class="nump">61,378<span></span></td>
        <td class="nump">33,609<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill</a></td>
        <td class="nump">7,471<span></span></td>
        <td class="nump">7,471<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IntangibleAssetsNetExcludingGoodwill', window );">Other intangible assets, net</a></td>
        <td class="nump">161<span></span></td>
        <td class="nump">268<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
        <td class="nump">21,144<span></span></td>
        <td class="nump">22,639<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump">1,319,301<span></span></td>
        <td class="nump">1,188,035<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquityAbstract', window );"><strong>Liabilities and Shareholders' Equity</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestBearingDepositLiabilities', window );">Noninterest-bearing</a></td>
        <td class="nump">131,956<span></span></td>
        <td class="nump">113,097<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestBearingDepositLiabilities', window );">Interest-bearing</a></td>
        <td class="nump">416,412<span></span></td>
        <td class="nump">405,493<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Total deposits</a></td>
        <td class="nump">548,368<span></span></td>
        <td class="nump">518,590<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cass_AccountsAndDraftsPayable', window );">Accounts and drafts payable</a></td>
        <td class="nump">595,201<span></span></td>
        <td class="nump">516,107<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="nump">15,184<span></span></td>
        <td class="nump">11,244<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
        <td class="nump">1,158,753<span></span></td>
        <td class="nump">1,045,941<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>Shareholders' Equity:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockValue', window );">Preferred stock, par value $.50 per share; 2,000,000 shares authorized and no shares issued</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock, par value $.50 per share; 20,000,000 shares authorized and 10,890,163 and 9,949,324 shares issued at December 31, 2011 and 2010, respectively</a></td>
        <td class="nump">5,445<span></span></td>
        <td class="nump">4,975<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapital', window );">Additional paid-in capital</a></td>
        <td class="nump">80,971<span></span></td>
        <td class="nump">46,653<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
        <td class="nump">89,853<span></span></td>
        <td class="nump">107,263<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValue', window );">Common shares in treasury, at cost (532,233 and 561,533 shares at December 31, 2011 and 2010, respectively)</a></td>
        <td class="num">(12,968)<span></span></td>
        <td class="num">(13,549)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Accumulated other comprehensive loss</a></td>
        <td class="num">(2,753)<span></span></td>
        <td class="num">(3,248)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Total shareholders' equity</a></td>
        <td class="nump">160,548<span></span></td>
        <td class="nump">142,094<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and shareholders' equity</a></td>
        <td class="nump">$ 1,319,301<span></span></td>
        <td class="nump">$ 1,188,035<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cass_AccountsAndDraftsPayable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying value as of the balance sheet date of liabilities incurred (and for which invoices have typically been received) and payable to vendors for goods and services received that are used in an entity's business and includes carrying value of amounts due on drafts payable on the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cass_AccountsAndDraftsPayable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cass_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cass_CashCashEquivalentsFederalFundsSoldAndOtherShortTermInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of cash and cash equivalents plus Federal Funds Sold. Cash and cash equivalents consist of short term, highly liquid investments that are readily convertible to known amounts of cash and are so near their maturity that they present negligible risk of changes in value due to changes in interest rates -- usually with an original maturity less than 90 days. Also includes, other investments not otherwise specified in the taxonomy that will be realized in a short period of time, usually less than one year or the normal operating cycle, whichever is longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cass_CashCashEquivalentsFederalFundsSoldAndOtherShortTermInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cass_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cass_FederalFundsSoldAndOtherShortTermInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount outstanding of funds lent to other depository institutions, securities brokers, or securities dealers in the form of Federal Funds sold; for example, immediately available funds lent under agreements or contracts that mature in one business day or roll over under a continuing contract, regardless of the nature of the transaction or the collateral involved, excluding overnight lending for commercial and industrial purposes. Also include Federal Funds sold under agreements to resell on a gross basis, excluding (1) sales of term Federal Funds, (2) due bills representing purchases of securities or other assets by the reporting bank that have not yet been delivered and similar instruments, (3) resale agreements that mature in more than one business day involving assets other than securities, (4) yield maintenance dollar repurchase agreements, and (5) money market funds. Also includes, other investments not otherwise specified in the taxonomy that will be realized in a short period of time, usually less than one year or the normal operating cycle, whichever is longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cass_FederalFundsSoldAndOtherShortTermInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cass_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cass_PaymentsInExcessOfFunding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The normal cycle for payment of Transportation invoices to a carrier, on behalf of the company's customer, is: the customer provides the funds to the company prior to the payment of the invoice by the company to the carrier. Payments in excess of funding are generated when, according to a service agreement with a few selected carriers, the company pays the carrier prior to receipt of the funds from the customer. The company receives a fee from the carrier for making this accelerated payment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cass_PaymentsInExcessOfFunding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cass_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 13<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 130<br><br><br><br> -Paragraph 14, 17, 26<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Principles Board Opinion (APB)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Staff Position (FSP)<br><br><br><br> -Number FAS115-1/124-1<br><br><br><br> -Paragraph 15D<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e681-108580<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdditionalPaidInCapital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Excess of issue price over par or stated value of the entity's capital stock and amounts received from other transactions involving the entity's stock or stockholders. Includes adjustments to additional paid in capital. Some examples of such adjustments include recording the issuance of debt with a beneficial conversion feature and certain tax consequences of equity instruments awarded to employees. Use this element for the aggregate amount of additional paid-in capital associated with common and preferred stock. For additional paid-in capital associated with only common stock, use the element additional paid in capital, common stock. For additional paid-in capital associated with only preferred stock, use the element additional paid in capital, preferred stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.30(a)(1))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdditionalPaidInCapital</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br> -Section S99<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Publisher FASB<br><br><br><br> -Paragraph 1<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Concepts (CON)<br><br><br><br> -Number 6<br><br><br><br> -Paragraph 25<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 18<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.18)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Assets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AssetsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, this item represents investments in debt and equity securities which are categorized neither as held-to-maturity nor trading.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26610-111562<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 12<br><br><br><br> -Subparagraph b<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Staff Position (FSP)<br><br><br><br> -Number FAS115-1/124-1<br><br><br><br> -Paragraph 15E<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 133<br><br><br><br> -Paragraph 22<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Staff Position (FSP)<br><br><br><br> -Number FAS115-1/124-1<br><br><br><br> -Paragraph 15D<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 13<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Staff Position (FSP)<br><br><br><br> -Number FAS115-1/124-1<br><br><br><br> -Paragraph 15C<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 14<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 16<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 25<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (b)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379932&amp;loc=d3e22054-111558<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BankOwnedLifeInsurance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The carrying amount of a life insurance policy on an officer, executive or employee for which the reporting entity (a bank) is entitled to proceeds from the policy upon death of the insured or surrender of the insurance policy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.10)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 12<br><br><br><br> -Paragraph 9<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 12<br><br><br><br> -Subsection I<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 10<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BankOwnedLifeInsurance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndDueFromBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash Equivalents<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 95<br><br><br><br> -Paragraph 8, 9<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 6<br><br><br><br> -Paragraph 1, 2, 3, 7, 11<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 1, 2, 3<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndDueFromBanks</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Deposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 13<br><br><br><br> -Paragraph 37, 38, 39<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Deposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Goodwill">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount as of the balance sheet date, which is the cumulative amount paid and (if applicable) the fair value of any noncontrolling interest in the acquiree, adjusted for any amortization recognized prior to the adoption of any changes in generally accepted accounting principles (as applicable) and for any impairment charges, in excess of the fair value of net assets acquired in one or more business combination transactions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 142<br><br><br><br> -Paragraph 45<br><br><br><br> -Subparagraph e<br><br><br><br> -Clause 1<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 142<br><br><br><br> -Paragraph 43<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 141R<br><br><br><br> -Paragraph 68<br><br><br><br> -Subparagraph l<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 142<br><br><br><br> -Paragraph 45<br><br><br><br> -Subparagraph e<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 141R<br><br><br><br> -Paragraph 34<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13816-109267<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13770-109266<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 141R<br><br><br><br> -Paragraph 72<br><br><br><br> -Subparagraph d<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Goodwill</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IntangibleAssetsNetExcludingGoodwill">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts of all intangible assets, excluding goodwill, as of the balance sheet date, net of accumulated amortization and impairment charges.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 142<br><br><br><br> -Paragraph 42, 45<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph ((a)(1),(b))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388964&amp;loc=d3e16212-109274<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IntangibleAssetsNetExcludingGoodwill</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDepositLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all domestic and foreign interest-bearing deposit liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestBearingDepositLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestBearingDepositsInBanks">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For banks and other depository institutions (including Federal Reserve Banks, if applicable): Interest-bearing deposits in other financial institutions for relatively short periods of time including, for example, certificates of deposits, which are presented separately from cash on the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6476743&amp;loc=d3e59706-112781<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 6<br><br><br><br> -Paragraph 4, 11<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 2<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.2)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestBearingDepositsInBanks</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Liabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19-26)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Liabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all Liabilities and Stockholders' Equity items (or Partners' Capital, as applicable), including the portion of equity attributable to noncontrolling interests, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 32<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.32)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 25<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAndStockholdersEquity</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquityAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAndStockholdersEquityAbstract</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The allowance for loan and lease losses represents the reserve to cover probable credit losses related to specifically identified loans and leases, as well as probable credit losses inherent in the remainder of the loan portfolio as of the balance sheet date. For banks, include currently required allocated transfer risk reserves. Include carryover of or adjustments to the allowance for loan losses in connection with business combinations determined to be appropriate.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 8<br><br><br><br> -Subparagraph a(ii)<br><br><br><br> -Subsection I<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 6<br><br><br><br> -Section L<br><br><br><br> -Subsection 1<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 114<br><br><br><br> -Paragraph 20<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7(d))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 9<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 7<br><br><br><br> -Subparagraph d<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 5<br><br><br><br> -Paragraph 8, 9<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (b)(1)(ii)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15032-111544<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate gross carrying amount of all categories of loans and leases held in portfolio, after deducting deferred income, but before deducting the allowance for losses on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5074-111524<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Statement of Position (SOP)<br><br><br><br> -Number 01-6<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph e<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 8<br><br><br><br> -Paragraph 116<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 8<br><br><br><br> -Subparagraph e<br><br><br><br> -Subsection I<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate carrying amount of all categories of loans and leases held in portfolio, net of unearned income and the allowance for losses on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Statement of Position (SOP)<br><br><br><br> -Number 01-6<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph e<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetReportedAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestBearingDepositLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of all domestic and foreign noninterest-bearing deposits liabilities held by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.12)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestBearingDepositLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 17<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 10<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.17)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 9<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 15<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.15)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 129<br><br><br><br> -Paragraph 2, 3, 4, 5, 6, 7, 8<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.3-04)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Principles Board Opinion (APB)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.28)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 5<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tangible assets that are held by an entity for use in the production or supply of goods and services, for rental to others, or for administrative purposes and that are expected to provide economic benefit for more than one year; net of accumulated depreciation. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 8<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph a<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 5<br><br><br><br> -Subparagraph b, c<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br><br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cumulative amount of the reporting entity's undistributed earnings or deficit.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.31(a)(3))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Principles Board Opinion (APB)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29-31)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph A3<br><br><br><br> -Appendix A<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29, 30, 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 4<br><br><br><br> -Section E<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SAB TOPIC 4.E)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6228006&amp;loc=d3e74512-122707<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Technical Bulletin (FTB)<br><br><br><br> -Number 85-6<br><br><br><br> -Paragraph 3<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6405834&amp;loc=d3e23315-112656<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EGBAK">
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          <div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY AND COMPREHENSIVE INCOME (USD $)<br>In Thousands, unless otherwise specified</strong></div>
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          <div>Common Stock [Member]</div>
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          <div>Additional Paid-In Capital [Member]</div>
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          <div>Retained Earnings [Member]</div>
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          <div>Treasury Stock [Member]</div>
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        <td class="nump">$ 4,975<span></span></td>
        <td class="nump">$ 45,746<span></span></td>
        <td class="nump">$ 81,197<span></span></td>
        <td class="num">$ (18,264)<span></span></td>
        <td class="num">$ (7,413)<span></span></td>
        <td class="nump">$ 106,241<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">16,129<span></span></td>
        <td class="nump">16,129<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="num">(4,925)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(4,925)<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(453)<span></span></td>
        <td class="num">(453)<span></span></td>
        <td class="num">(453)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax', window );">Net unrealized gain or loss on securities available-for-sale, net of tax</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">6,145<span></span></td>
        <td class="nump">6,145<span></span></td>
        <td class="nump">6,145<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease', window );">FASB ASC 715 adjustment, net of tax</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,540<span></span></td>
        <td class="nump">1,540<span></span></td>
        <td class="nump">1,540<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation', window );">Issuance of common shares pursuant to stock-based compensation plan, net</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(910)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">910<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised', window );">Exercise of stock options and SARs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(388)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">408<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">20<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Stock-based compensation expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,881<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,881<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueConversionOfConvertibleSecurities', window );">Subordinated debenture conversion</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(633)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,623<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,990<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Comprehensive income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">23,361<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2009</a></td>
        <td class="nump">4,975<span></span></td>
        <td class="nump">45,696<span></span></td>
        <td class="nump">92,401<span></span></td>
        <td class="num">(13,323)<span></span></td>
        <td class="num">(181)<span></span></td>
        <td class="nump">129,568<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">20,310<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">20,310<span></span></td>
        <td class="nump">20,310<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCommonStockCash', window );">Cash dividends</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(5,448)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(5,448)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodValue', window );">Purchase of 13,200 shares</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(467)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(467)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Other comprehensive income (loss):</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax', window );">Net unrealized gain or loss on securities available-for-sale, net of tax</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,149)<span></span></td>
        <td class="num">(2,149)<span></span></td>
        <td class="num">(2,149)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease', window );">FASB ASC 715 adjustment, net of tax</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(918)<span></span></td>
        <td class="num">(918)<span></span></td>
        <td class="num">(918)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation', window );">Issuance of common shares pursuant to stock-based compensation plan, net</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(349)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">108<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(241)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised', window );">Exercise of stock options and SARs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(166)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">133<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(33)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Stock-based compensation expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,472<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,472<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Comprehensive income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">17,243<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2010</a></td>
        <td class="nump">4,975<span></span></td>
        <td class="nump">46,653<span></span></td>
        <td class="nump">107,263<span></span></td>
        <td class="num">(13,549)<span></span></td>
        <td class="num">(3,248)<span></span></td>
        <td class="nump">142,094<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">23,009<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">23,009<span></span></td>
        <td class="nump">23,009<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCommonStockCash', window );">Cash dividends</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(6,279)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(6,279)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DividendsCommonStock', window );">Stock dividend</a></td>
        <td class="nump">470<span></span></td>
        <td class="nump">33,643<span></span></td>
        <td class="num">(34,140)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(27)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Other comprehensive income (loss):</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax', window );">Reclassification adjustments for gains included in net income, net of tax</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(28)<span></span></td>
        <td class="num">(28)<span></span></td>
        <td class="num">(28)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax', window );">Net unrealized gain or loss on securities available-for-sale, net of tax</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">7,268<span></span></td>
        <td class="nump">7,268<span></span></td>
        <td class="nump">7,268<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease', window );">FASB ASC 715 adjustment, net of tax</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(6,713)<span></span></td>
        <td class="num">(6,713)<span></span></td>
        <td class="num">(6,713)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation', window );">Issuance of common shares pursuant to stock-based compensation plan, net</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(519)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">436<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(83)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised', window );">Exercise of stock options and SARs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(196)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">145<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(51)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue', window );">Stock-based compensation expense</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,390<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,390<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationGainLossArisingDuringPeriodNetOfTax', window );">Foreign currency translation</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(32)<span></span></td>
        <td class="num">(32)<span></span></td>
        <td class="num">(32)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Comprehensive income</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">23,504<span></span></td>
      </tr>
      <tr class="rc">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Balance at Dec. 31, 2011</a></td>
        <td class="nump">$ 5,445<span></span></td>
        <td class="nump">$ 80,971<span></span></td>
        <td class="nump">$ 89,853<span></span></td>
        <td class="num">$ (12,968)<span></span></td>
        <td class="num">$ (2,753)<span></span></td>
        <td class="nump">$ 160,548<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the amount of recognized equity-based compensation during the period, that is, the amount recognized as expense in the income statement (or as asset if compensation is capitalized). Alternate captions include the words "stock-based compensation".</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 35<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415241&amp;loc=d3e4534-113899<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6576910&amp;loc=d3e11149-113907<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph 64<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A91<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 20<br><br> -Section 55<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6576910&amp;loc=d3e11178-113907<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph 39<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The change in equity [net assets] of a business enterprise during a period from transactions and other events and circumstances from non-owner sources which are attributable to the reporting entity. It includes all changes in equity during a period except those resulting from investments by owners and distributions to owners, but excludes any and all transactions which are directly or indirectly attributable to that ownership interest in subsidiary equity which is not attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e540-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A5<br><br> -Appendix A<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 8, 9, 10, 11, 12, 13, 14<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6508144<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e557-108580<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ComprehensiveIncomeNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity impact of aggregate cash, stock, and paid-in-kind dividends declared for common shareholders during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957935&amp;loc=d3e64057-112817<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DividendsCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DividendsCommonStockCash">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity impact of common stock cash dividends declared by an entity during the period. This element includes paid and unpaid dividends declared during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DividendsCommonStockCash</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e565-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A7<br><br> -Appendix A<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 10, 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 87-21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 19<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28, 29, 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) in accumulated comprehensive income during the period related to pension and other postretirement benefit plans, after tax. While for technical reasons this element has no balance attribute, the default assumption is a credit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 7<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 14, 17, 22, 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeDefinedBenefitPlansAdjustmentNetOfTaxPeriodIncreaseDecrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Change in the balance sheet adjustment that results from the process of translating subsidiary financial statements and foreign equity investments into functional currency of the reporting entity for the period being reported, net of tax. If an entity's functional currency is a foreign currency, translation adjustments result from the process of translating that entity's financial statements into the reporting currency. Includes gain (loss) on foreign currency forward exchange contracts. Includes foreign currency transactions designated as hedges of net investment in a foreign entity and intercompany foreign currency transactions that are of a long-term nature, when the entities to the transaction are consolidated, combined, or accounted for by the equity method in the reporting enterprise's financial statements. Includes the gain (loss) on a derivative instrument or nonderivative financial instrument that may give rise to a foreign currency transaction gain (loss) and that have been designated and have qualified as hedging instruments for hedges of the foreign currency exposure of a net investment in a foreign operation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 52<br><br> -Paragraph 13, 20, 31<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920433&amp;loc=d3e998-108581<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 830<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6915805&amp;loc=d3e32211-110900<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 45<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 830<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 18<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6915805&amp;loc=d3e32157-110900<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 830<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6915805&amp;loc=d3e32022-110900<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 830<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450520&amp;loc=d3e32583-110901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reclassification adjustment for unrealized gains or losses realized upon the sale of securities, after tax.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27357-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Reclassification Adjustments<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6522872<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 24<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e689-108580<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 18, 19<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax</nobr></td>
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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Appreciation or loss in value (before reclassification adjustment) of the total of unsold securities during the period being reported on, net of tax. Reclassification adjustments include: (1) the unrealized holding gain (loss), net of tax, at the date of the transfer for a debt security from the held-to-maturity category transferred into the available-for-sale category. Also includes the unrealized gain (loss) at the date of transfer for a debt security from the available-for-sale category transferred into the held-to-maturity category; (2) the unrealized gains (losses) realized upon the sale of securities, after tax; and (3) the unrealized gains (losses) realized upon the write-down of securities, after tax.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 2<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920433&amp;loc=d3e998-108581<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 24<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 17, 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29-31)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A3<br><br> -Appendix A<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 4<br><br> -Section E<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SAB TOPIC 4.E)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6228006&amp;loc=d3e74512-122707<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The gross value of stock issued during the period upon the conversion of convertible securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 4, 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29-31)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value of stock (or other type of equity) issued during the period as a result of any equity-based compensation plan other than an employee stock ownership plan (ESOP), net of stock value of such awards forfeited. Stock issued could result from the issuance of restricted stock, the exercise of stock options, stock issued under employee stock purchase plans, and/or other employee benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (d)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph 64<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value stock issued during the period as a result of the exercise of stock options.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29-31)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssuedDuringPeriodValueStockOptionsExercised</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity impact of the value of stock that has been repurchased during the period and has not been retired and is not held in treasury. Some state laws may mandate the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 43<br><br> -Chapter 1<br><br> -Section B<br><br> -Paragraph 11A<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockRepurchasedDuringPeriodValue</nobr></td>
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                    <td>duration</td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Fair Value of Financial Instruments<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Fair Value Disclosures [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text"><p align="justify"><b><font style="font-family:times new roman" size="2">Note 15<br /></font></b><b><font style="font-family:times new roman" size="2">Disclosures about Financial Instruments</font></b></p>
<p align="justify"><font style="font-family:times new roman" size="2">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&#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.</font></p>
<p align="justify"><font style="font-family:times new roman" size="2">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&#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&#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. </font></p>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">The following table shows conditional commitments to extend credit, standby letters of credit and commercial letters: </font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"><b><font style="font-family:times new roman" size="2">December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Conditional commitments to extend credit</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">10,485</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">33,031</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%"><font style="font-family:times new roman" size="2">Standby letters of credit</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">22,302</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">23,587</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Commercial letters of credit</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">4,518</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">3,821</font></td>
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<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">Following is a summary of the carrying amounts and fair values of the Company&#8217;s financial instruments:</font></p>
<table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%"></td>
<td style="text-align: center;" nowrap="nowrap"
 width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="11%" colspan="11"><b><font style="font-family:times new roman" size="2">December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="5"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="5"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="2%" colspan="2"><b><font style="font-family:times new roman" size="2">Carrying</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="2%" colspan="2"><b><font style="font-family:times new roman" size="2">Carrying</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="88%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"><b><font style="font-family:times new roman" size="2">Amount</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"><b><font style="font-family:times new roman" size="2">Fair Value</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"><b><font style="font-family:times new roman" size="2">Amount</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"><b><font style="font-family:times new roman" size="2">Fair Value</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Balance sheet assets:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Cash and cash equivalents</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">235,962</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">235,962</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">138,929</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">138,929</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Investment in securities</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">310,612</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">310,612</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">264,569</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">264,569</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%"><font style="font-family:times new roman"
 size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Loans, net</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">658,611</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">665,348</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">696,742</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">710,294</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Accrued interest receivable</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">6,125</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">6,125</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5,857</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5,857</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="88%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">1,211,310</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">1,218,047</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">1,106,097</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">1,119,649</font></td>
</tr>
<tr>
<td align="left" width="100%" colspan="13">&#160;</td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Balance sheet liabilities:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Deposits</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">548,368</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">548,985</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">518,590</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman"
 size="2">518,733</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Accounts and drafts payable</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">595,201</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">595,201</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">516,107</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">516,107</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Short-term borrowings</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">9</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">9</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Accrued interest payable</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">159</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">159</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">208</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">208</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="88%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">1,143,728</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">1,144,345</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">1,034,914</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">1,035,057</font></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">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: </font></p>
<p align="justify"><b><font style="font-family:times new roman" size="2">Cash and Other Short-term Instruments</font></b><font style="font-family:times new roman" size="2"> 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. </font></p>
<p align="justify"><b><font style="font-family:times new roman" size="2">Investment in Securities</font></b><font style="font-family:times new
 roman" size="2"> Fair values are measured using Level 2 valuations. </font></p>
<p align="justify"><b><font style="font-family:times new roman" size="2">Loans</font></b><font style="font-family:times new roman" size="2"> 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. </font></p>
<p align="justify"><b><font style="font-family:times new roman" size="2">Deposits</font></b><font style="font-family:times new roman" size="2"> 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. </font></p>
<p align="justify"><b><font style="font-family:times new roman" size="2">Commitments to Extend Credit and Standby Letters of Credit</font></b><font style="font-family:times new roman" size="2"> 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. </font></p>
<p align="justify"><b><font style="font-family:times new roman" size="2">Limitations</font></b><font style="font-family:times new roman" size="2"> 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. </font></p>
<p align="justify"><font style="font-family:times new roman" size="2">Because no market exists for a significant portion of the Company&#8217;s financial instruments, fair value estimates are based on management&#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. </font></p><span></span></td>
      </tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
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<p align="justify"><font style="font-family:times new roman" size="2">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&#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.</font></p><span></span></td>
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          <div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY AND COMPREHENSIVE INCOME [Paranthetical] (USD $)<br>In Thousands, except Per Share data, unless otherwise specified</strong></div>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockDividendsPerShareCashPaid">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate dividends paid during the period for each share of common stock outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockDividendsPerShareCashPaid</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesPurchaseOfAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of shares of stock issued during the period as part of a transaction to acquire assets that do not qualify as a business combination.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssuedDuringPeriodSharesPurchaseOfAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of shares (or other type of equity) issued during the period as a result of any equity-based compensation plan other than an employee stock ownership plan (ESOP), net of any shares forfeited. Shares issued could result from the issuance of restricted stock, the exercise of stock options, stock issued under employee stock purchase plans, and/or other employee benefit plans.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ECKAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>CONSOLIDATED BALANCE SHEETS [Parenthetical] (USD $)<br></strong></div>
        </th>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockParOrStatedValuePerShare', window );">Preferred stock, par value (in dollars per share)</a></td>
        <td class="nump">$ 0.50<span></span></td>
        <td class="nump">$ 0.50<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesAuthorized', window );">Preferred stock, shares authorized</a></td>
        <td class="nump">2,000,000<span></span></td>
        <td class="nump">2,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PreferredStockSharesIssued', window );">Preferred stock, shares Issued</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockParOrStatedValuePerShare', window );">Common Stock, par value (in dollars per share)</a></td>
        <td class="nump">$ 0.50<span></span></td>
        <td class="nump">$ 0.50<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common Stock, shares authorized</a></td>
        <td class="nump">20,000,000<span></span></td>
        <td class="nump">20,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common Stock, shares issued</a></td>
        <td class="nump">10,890,163<span></span></td>
        <td class="nump">9,949,324<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockShares', window );">Treasury stock, shares</a></td>
        <td class="nump">532,233<span></span></td>
        <td class="nump">561,533<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockParOrStatedValuePerShare">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Face amount or stated value of common stock per share; generally not indicative of the fair market value per share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 30<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockParOrStatedValuePerShare</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesAuthorized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The maximum number of common shares permitted to be issued by an entity's charter and bylaws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 30<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockSharesAuthorized</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesIssued">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 30<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockSharesIssued</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockParOrStatedValuePerShare">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Face amount or stated value per share of nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer); generally not indicative of the fair market value per share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 02<br><br> -Paragraph 29<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 2, 3, 4, 5, 6, 7, 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockParOrStatedValuePerShare</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesAuthorized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 02<br><br> -Paragraph 29<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 2, 3, 4, 5, 6, 7, 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockSharesAuthorized</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PreferredStockSharesIssued">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 02<br><br> -Paragraph 29<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PreferredStockSharesIssued</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TreasuryStockShares">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of common and preferred shares that were previously issued and that were repurchased by the issuing entity and held in treasury on the financial statement date. This stock has no voting rights and receives no dividends.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.28,29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TreasuryStockShares</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Defined Pension Plans<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CompensationAndRetirementDisclosureAbstract', window );"><strong>Compensation and Retirement Disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PensionAndOtherPostretirementBenefitsDisclosureTextBlock', window );">Pension and Other Postretirement Benefits Disclosure [Text Block]</a></td>
        <td class="text"><p align="justify"><b><font style="font-family:times new roman" size="2">Note 10<br /></font></b><b><font style="font-family:times new roman" size="2">Employee Benefit Plans</font></b></p>
<p align="justify"><i><font style="font-family:times new roman" size="2">Defined Benefit Plan<br /></font></i><font style="font-family:times new roman" size="2">The Company has a noncontributory defined-benefit pension plan (the &#8220;Plan&#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.</font></p>
<p align="justify"><font style="font-family:times new roman" size="2">A summary of the activity in the Plan&#8217;s projected benefit obligation, assets, funded status and amounts recognized in the Company&#8217;s consolidated balance sheets is as follows: </font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="11%" colspan="7"><b><font style="font-family:times new roman" size="2">December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="88%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Projected benefit obligation:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Balance, January 1</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">43,337</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">36,588</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Service cost</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2,073</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,771</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Interest cost</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,423</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,290</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Actuarial loss</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">7,357</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">3,853</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="88%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Benefits paid</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(1,218</font></td>
<td align="left" style="border-bottom: #000000 1pt
 solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(1,165</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Balance, December 31</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">53,972</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">43,337</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%"><font style="font-family:times new roman" size="2">Plan assets:</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Fair value, January 1</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">45,427</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">33,362</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Actual return</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">686</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">3,880</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Employer contribution</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">9,000</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">9,350</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="88%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Benefits paid</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(1,218</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(1,165</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Fair value, December 31</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">53,895</font></td>
<td
 align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">45,427</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%"><font style="font-family:times new roman" size="2">Funded status:</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" nowrap="nowrap" width="3%">&#160;</td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Accrued pension asset (liability)</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(77</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2,090</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">The following represent the major assumptions used to determine the projected benefit obligation of the Plan. For 2011, 2010 and 2009 the Plan&#8217;s expected benefit cash flows were discounted using the Citibank Above Median Curve.</font></p>
<table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="28%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="42%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="10%"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="9%"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="8%"><b><font style="font-family:times new roman" size="2">2009</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="28%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Weighted average discount rate</font></td>
<td align="right" nowrap="nowrap" width="42%" bgcolor="#c0c0c0"></td>
<td style="text-align: center;" nowrap="nowrap" width="10%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">4.75%</font></td>
<td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td style="text-align: center;" nowrap="nowrap" width="9%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5.75%</font></td>
<td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td style="text-align: center;" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">6.25%</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="28%"><font style="font-family:times new roman" size="2">Rate of increase in compensation levels</font></td>
<td align="right" nowrap="nowrap" width="42%"></td>
<td style="text-align: center;" nowrap="nowrap" width="10%"><font style="font-family:times new roman" size="2">4.00%</font></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2"></font></td>
<td style="text-align: center;" nowrap="nowrap" width="9%"><font style="font-family:times new roman" size="2">4.00%</font></td>
<td style="text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="text-align: center;" nowrap="nowrap" width="8%"><font style="font-family:times new roman" size="2">4.00%</font></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">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: </font></p>
<table style="width: 60%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="96%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%"><b><font style="font-family:times new roman" size="2">Amount</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="96%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2012</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman"
 size="2">1,315,000</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="96%"><font style="font-family:times new roman" size="2">2013</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,359,000</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="96%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2014</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,512,000</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="96%"><font style="font-family:times new roman" size="2">2015</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,640,000</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="96%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2016</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,855,000</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="96%"><font style="font-family:times new roman" size="2">2017-2021</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">13,025,000</font></td>
</tr>
</table>
<div><font style="font-family:times new roman" size="2"></font>&#160;</div>
<div><font style="font-family:times new roman" size="2">The Plan&#8217;s pension cost included the following components: </font></div>
<div><font style="font-family:times new roman" size="2"></font>&#160;</div>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="17%" colspan="11"><b><font style="font-family:times new roman" size="2">For the Year Ended</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="17%" colspan="11"><b><font style="font-family:times new roman" size="2">December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">2009</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Service cost &#8211; benefits earned during the year</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2,073</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,771</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,606</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">Interest cost on projected benefit obligations</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,423</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,290</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,080</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Expected return on plan assets</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(3,314</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(2,440</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%"
 bgcolor="#c0c0c0">&#160;</td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(1,880</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">Net amortization and deferral</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">603</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">616</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">873</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;</td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Net periodic pension cost</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,785</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2,237</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2,679</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">The following represent the major assumptions used to determine the net pension cost of the Plan: </font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="67%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="10%"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="10%"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="10%"><b><font style="font-family:times new roman" size="2">2009</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="67%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Weighted average discount rate</font></td>
<td style="text-align: center;" nowrap="nowrap" width="10%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5.75%</font></td>
<td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2"></font></td>
<td style="text-align: center;" nowrap="nowrap" width="10%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">6.25%</font></td>
<td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2"></font></td>
<td style="text-align: center;" nowrap="nowrap" width="10%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">6.50%</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="67%"><font style="font-family:times new roman" size="2">Rate of increase in compensation levels</font></td>
<td style="text-align: center;" nowrap="nowrap" width="10%"><font style="font-family:times new roman" size="2">4.00%</font></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2"></font></td>
<td style="text-align: center;" nowrap="nowrap" width="10%"><font style="font-family:times new roman" size="2">4.00%</font></td>
<td style="text-align: center;" nowrap="nowrap" width="1%">&#160;</td>
<td style="text-align: center;" nowrap="nowrap" width="10%"><font style="font-family:times new roman" size="2">4.00%</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="67%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Expected long-term rate of return on assets</font></td>
<td style="text-align: center;" nowrap="nowrap" width="10%" bgcolor="#c0c0c0"><font
 style="font-family:times new roman" size="2">7.25%</font></td>
<td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td style="text-align: center;" nowrap="nowrap" width="10%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">7.25%</font></td>
<td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td style="text-align: center;" nowrap="nowrap" width="10%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">7.25%</font></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">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</font><font style="font-family:times new roman"> </font><font style="font-family:times new roman" size="2">assumed long-term rate of return on assets, which falls within the expected range, is 7.25% as derived below: </font></p>
<table style="width: 60%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"><b><font style="font-family:times new roman" size="2">Expected Long-Term</font></b></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="84%"><b><font style="font-family:times new roman" size="2">Asset Class</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%"><b><font style="font-family:times new roman" size="2">Return on Class</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"><b><font style="font-family:times new roman" size="2">X</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%"><b><font style="font-family:times new roman" size="2">Allocation</font></b></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"><b><font style="font-family:times new roman" size="2">=</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%"><b><font style="font-family:times new roman" size="2">Assumption</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Fixed Income</font></td>
<td style="text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">4 &#8211; 6%</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">50%</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2.0 &#8211; 3.0%</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%"><font style="font-family:times new roman" size="2">US Equity</font></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">5 &#8211; 9%</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">34%</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2"></font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1.7 &#8211; 3.1%</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Non-US Equity</font></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5 &#8211; 10%</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">16%</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2"></font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left"
 style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">0.8 &#8211; 1.6%</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">4.5 &#8211; 7.7%</font></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">A summary of the fair value measurements by type of asset is as follows: </font></p>
<table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="29%" colspan="17"><b><font style="font-family:times new roman" size="2">Fair Value Measurements as of December 31</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="14%" colspan="8"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="14%" colspan="8"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Quoted Prices</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Quoted Prices</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">in Active</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">in Active</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Markets for</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Significant</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Markets for</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Significant</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Identical</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Observable</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;"
 nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Identical</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Observable</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Assets</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Inputs</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Assets</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Inputs</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="70%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Total</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">(Level 1)</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">(Level 2)</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Total</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">(Level 1)</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">(Level 2)</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Cash</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">219</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">219</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">203</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">203</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%"><font style="font-family:times new roman" size="2">Equity securities</font></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;U. S. Large Cap Growth</font></td>
<td align="left" nowrap="nowrap" width="1%"
 bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">4,497</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">4,497</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">3,844</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">3,844</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;U. S. Large Cap Value</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">4,586</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">4,586</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">3,853</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">3,853</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;U. S. Small/Mid Cap Growth</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,856</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,856</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,594</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,594</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;U. S. Small/Mid Cap Value</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,888</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,888</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,597</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,597</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Non-U. S. Core</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">8,470</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td
 align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">8,470</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">7,236</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">7,236</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;U. S. Large Cap Passive</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">5,387</font></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">5,387</font></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">4,542</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">4,542</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Fixed Income</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;U. S. Core Opportunistic</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">19,410</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">19,410</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">16,227</font></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">16,227</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="70%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;U. S. Passive</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">7,582</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"
 bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">7,582</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">6,331</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">6,331</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="70%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">53,895</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">219</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">53,676</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">45,427</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">203</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">45,224</font></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><i><font style="font-family:times new roman" size="2">Supplemental Executive Retirement Plan<br /></font></i><font style="font-family:times new roman" size="2">The Company also has an unfunded supplemental executive retirement plan (&#8220;SERP&#8221;) which covers key executives of the Company. The SERP is a noncontributory plan in which the Company&#8217;s subsidiaries make accruals designed to fund normal service costs on a current basis using the same method and criteria as the Plan. </font></p>
<div style="page-break-before: always;"><font style="font-family:times new roman" size="2">A summary of the activity in the SERP&#8217;s projected benefit obligation, funded status and amounts recognized in the Company&#8217;s consolidated balance sheets is as follows: </font></div>
<div style="page-break-before: always;"><font style="font-family:times new roman" size="2"></font>&#160;</div>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="92%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="7%" colspan="7"><b><font style="font-family:times new roman" size="2">December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="92%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="3"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="3"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Benefit obligation:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left"
 nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="92%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Balance, January 1</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">5,479</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">5,369</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Service cost</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">89</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">78</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="92%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Interest cost</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2"></font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">295</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">315</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Benefits paid</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(236</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(235</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="92%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Actuarial loss (gain)</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">1,807</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">(48</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Balance, December 31</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">7,434</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5,479</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">The following represent the major assumptions used to determine the projected benefit obligation of the SERP. For 2011, 2010 and 2009, the SERP&#8217;s expected benefit cash flows were discounted using the Citigroup Above Median Curve.</font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="88%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom:
 #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="2"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="2"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="2"><b><font style="font-family:times new roman" size="2">2009</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Weighted average discount rate</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="right" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">4.50</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">%</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="right" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5.50</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">%</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="right" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">6.00</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">%</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%"><font style="font-family:times new roman" size="2">Rate of increase in compensation levels</font></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="2%"><font style="font-family:times new roman" size="2">4.00</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">%</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="2%"><font style="font-family:times new roman" size="2">4.00</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">%</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="2%"><font style="font-family:times new roman" size="2">4.00</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">%</font></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">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: </font></p>
<table style="width: 60%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="96%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><b><font style="font-family:times new roman" size="2">Amount</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="96%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2012</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">236,000</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="96%"><font style="font-family:times new roman" size="2">2013</font></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">235,000</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="96%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2014</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">234,000</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="96%"><font style="font-family:times new roman" size="2">2015</font></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">233,000</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="96%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2016</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">245,000</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="96%"><font style="font-family:times new roman" size="2">2017-2021</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,714,000</font></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">The SERP&#8217;s pension cost included the following components: </font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="11%" colspan="8"><b><font style="font-family:times new roman" size="2">For the Year Ended December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="88%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap"
 width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="2"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="2"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="2"><b><font style="font-family:times new roman" size="2">2009</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Service cost &#8211; benefits earned during the year</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">89</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">78</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">33</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%"><font style="font-family:times new roman" size="2">Interest cost on projected benefit obligations</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="2%"><font style="font-family:times new roman" size="2">295</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="2%"><font style="font-family:times new roman" size="2">315</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="2%"><font style="font-family:times new roman" size="2">278</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Net amortization and deferral</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">250</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">258</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">130</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="88%"><font style="font-family:times new roman" size="2">Net periodic pension cost</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="2%"><font style="font-family:times new roman" size="2">634</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="2%"><font style="font-family:times new roman" size="2">651</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="2%"><font style="font-family:times new roman" size="2">441</font></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">The pre-tax amounts in accumulated other comprehensive loss as of December 31, were as follows: </font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="5"><b><font style="font-family:times new roman" size="2">The Plan</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="5"><b><font style="font-family:times new roman" size="2">SERP</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="88%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td
 style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="2%" colspan="2"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Prior service cost</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">24</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">33</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">50</font></td>
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<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="88%"><font style="font-family:times new roman" size="2">Net actuarial loss</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">21,376</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">11,985</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">3,802</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">2,194</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="88%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;Total</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">21,400</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">12,018</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">3,802</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2,244</font></td>
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<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">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. </font></p>
<p align="justify"><font
 style="font-family:times new roman" size="2">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. </font></p>
<p align="justify"><font style="font-family:times new roman" size="2">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. </font></p><span></span></td>
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                <p>The entire disclosure for pension and other postretirement benefits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 715<br><br> -URI http://asc.fasb.org/topic&amp;trid=2235017<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 87<br><br> -Paragraph 264<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 158<br><br> -Paragraph 7, 21, 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS106-2<br><br> -Paragraph 20, 21, 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Implementation Guide (Q and A)<br><br> -Number FAS88<br><br> -Paragraph 63<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 30<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 5, 6, 7, 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 132R<br><br> -Paragraph 8<br><br> -Subparagraph m<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 106<br><br> -Paragraph 518<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EXRAE">
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              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_CurrentFiscalYearEndDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:gMonthDayItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalPeriodFocus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This is focus fiscal period of the document report. For a first quarter 2006 quarterly report, which may also provide financial information from prior periods, the first fiscal quarter should be given as the fiscal period focus. Values: FY, Q1, Q2, Q3, Q4, H1, H2, M9, T1, T2, T3, M8, CY.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_DocumentFiscalPeriodFocus</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:fiscalPeriodItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentFiscalYearFocus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This is focus fiscal year of the document report in CCYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_DocumentFiscalYearFocus</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:gYearItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_DocumentPeriodEndDate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:dateItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The type of document being provided (such as 10-K, 10-Q, N-1A, etc). The document type is limited to the same value as the supporting SEC submission type, minus any "/A" suffix. The acceptable values are as follows: S-1, S-3, S-4, S-11, F-1, F-3, F-4, F-9, F-10, 6-K, 8-K, 10, 10-K, 10-Q, 20-F, 40-F, N-1A, 485BPOS, 497, NCSR, N-CSR, N-CSRS, N-Q, 10-KT, 10-QT, 20-FT, and Other.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_DocumentType</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:submissionTypeItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation 12B<br><br> -Number 240<br><br> -Section 12b<br><br> -Subsection 1<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityCentralIndexKey</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:centralIndexKeyItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCommonStockSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate number of shares outstanding of each of registrant's classes of common stock, as of latest practicable date. Where multiple classes exist define each class by adding class of stock items such as Common Class A [Member], Common Class B [Member] onto the Instrument [Domain] of the Entity Listings, Instrument</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityCommonStockSharesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCurrentReportingStatus">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityCurrentReportingStatus</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:yesNoItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFilerCategory">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate whether the registrant is one of the following: (1) Large Accelerated Filer, (2) Accelerated Filer, (3) Non-accelerated Filer, or (4) Smaller Reporting Company. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityFilerCategory</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:filerCategoryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityPublicFloat">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>State aggregate market value of voting and non-voting common equity held by non-affiliates computed by reference to price at which the common equity was last sold, or average bid and asked price of such common equity, as of the last business day of registrant's most recently completed second fiscal quarter. The public float should be reported on the cover page of the registrants form 10K.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityPublicFloat</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation 12B<br><br> -Number 240<br><br> -Section 12b<br><br> -Subsection 1<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityRegistrantName</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:normalizedStringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityVoluntaryFilers">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityVoluntaryFilers</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:yesNoItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityWellKnownSeasonedIssuer">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indicate "Yes" or "No" if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_EntityWellKnownSeasonedIssuer</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>dei:yesNoItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Trading symbol of an instrument as listed on an exchange.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>dei_TradingSymbol</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>dei_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:normalizedStringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Stock-Based Compensation<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsSharebasedPaymentsAbstract', window );"><strong>Disclosure Of Compensation Related Costs, Share-Based Payments [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock', window );">Disclosure of Compensation Related Costs, Share-based Payments [Text Block]</a></td>
        <td class="text"><p align="justify"><b><font style="font-family:times new roman" size="2">Note 11<br /></font></b><b><font style="font-family:times new roman" size="2">Stock-based Compensation</font></b><b><i><font style="font-family:times new roman" size="2"> </font></i></b></p>
<p align="justify"><font style="font-family:times new roman" size="2">In 2007, the Company&#8217;s shareholders approved the Omnibus Incentive Stock Plan (&#8220;the Omnibus Plan&#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&#8217;s shareholders. The Omnibus Plan permits the issuance of up to 968,000 shares of the Company&#8217;s common stock in the form of stock options, stock appreciation rights, restricted stock, restricted stock units and performance awards.</font></p>
<p align="justify"><font style="font-family:times new roman" size="2">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. </font></p>
<p align="justify"><font style="font-family:times new roman" size="2">All share and per share data have been restated to give effect to the 10% stock dividend issued on December 15, 2011.</font></p>
<p align="justify"><i><font style="font-family:times new roman" size="2">Restricted Stock<br /></font></i><font style="font-family:times new roman" size="2">Changes in restricted shares outstanding for the year ended December 31, 2011 were as follows: </font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="91%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Shares</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="2"><b><font style="font-family:times new roman" size="2">Fair Value</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Balance at December 31, 2010</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">55,297</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">25.92</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="91%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Granted</font></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">28,611</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="2%"><font style="font-family:times new roman" size="2">33.05</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="91%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Vested</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(31,438</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">25.84</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="91%"><font style="font-family:times new roman" size="2">Balance at December 31, 2011</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">52,470</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="2%"><font style="font-family:times new roman" size="2">29.86</font></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">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. </font></p>
<p align="justify"><i><font style="font-family:times new roman" size="2">Stock Options <br /></font></i><font style="font-family:times new roman" size="2">Changes in options outstanding for the year ended December 31, 2011 were as follows: </font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Weighted Average</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%">&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Shares</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Exercise Price</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Balance at December 31, 2010</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">40,290</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">16.05</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="90%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Exercised</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(9,662</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">13.22</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Balance at December 31, 2011</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">30,628</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">17.79</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"><font style="font-family:times new roman" size="2">Exercisable at December 31, 2011</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">26,954</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">17.65</font></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">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. </font></p>
<p align="justify"><font style="font-family:times new roman" size="2">A summary of the activity of the non-vested options during 2011 is shown below.</font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;"
 nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Weighted Average</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%">&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Shares</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Grant Date Fair Value</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Non-vested at December 31, 2010</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">13,684</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2.67</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="90%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Vested</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(10,010</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2.67</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Non-vested at December 31, 2011</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">3,674</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2.69</font></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">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. </font></p>
<div style="page-break-before: always;"><i><font style="font-family:times new roman" size="2">Stock Appreciation Rights (SARs)<br /></font></i><font style="font-family:times new roman" size="2">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. </font></div>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;</td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="8%" colspan="2"><b><font style="font-family:times new roman" size="2">Year Ended December 31, 2011</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Risk-free interest rate</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="5%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2.70%</font></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0">&#160;</td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%"><font style="font-family:times new roman" size="2">Expected life</font></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="5%"><font style="font-family:times new roman" size="2">7 yrs.</font></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Expected volatility</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="5%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">27.86%</font></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"><font style="font-family:times new roman" size="2">Expected dividend yield</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;"
 nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="5%"><font style="font-family:times new roman" size="2">1.77%</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">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&#8217;s stock. The expected dividend yield is determined based on the Company&#8217;s current rate of annual dividends. </font></p>
<p align="justify"><font style="font-family:times new roman" size="2">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 $616,000, and the related weighted average period over which it is expected to be recognized is 0.60 years. Changes in SARs outstanding for the year ended December 31, 2011 were as follows: </font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="85%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Shares</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="2"><b><font style="font-family:times new roman" size="2">Weighted Average <br />Exercise Price</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Balance at December 31, 2010</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">265,911</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">
<p><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></p>
</td>
<td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">24.85</font></td>
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<tr valign="bottom">
<td align="left" nowrap="nowrap" width="85%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Granted</font></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">82,508</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="8%"><font style="font-family:times new roman" size="2">32.95</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Exercised</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(15,833</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">24.81</font></td>
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<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="85%"><font style="font-family:times new roman" size="2">Balance at December 31, 2011</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">332,586</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="8%"><font style="font-family:times new roman" size="2">26.87</font></td>
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<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Exercisable at December 31, 2011</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">188,265</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">24.97</font></td>
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<div>&#160;</div>
<p align="justify"><font
 style="font-family:times new roman" size="2">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.</font></p><span></span></td>
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                <p>The entire disclosure for compensation-related costs for equity-based compensation, which may include disclosure of policies, compensation plan details, allocation of equity compensation, incentive distributions, equity-based arrangements to obtain goods and services, deferred compensation arrangements, employee stock ownership plan details and employee stock purchase plan details.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ECEBG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF INCOME (USD $)<br>In Thousands, except Per Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
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      <tr>
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          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
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        <th class="th">
          <div>Dec. 31, 2009</div>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenuesAbstract', window );"><strong>Fee Revenue and Other Income:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cass_InformationServicesPaymentAndProcessingRevenue', window );">Information services payment and processing revenue</a></td>
        <td class="nump">$ 60,688<span></span></td>
        <td class="nump">$ 54,183<span></span></td>
        <td class="nump">$ 48,665<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FeesAndCommissions', window );">Bank service fees</a></td>
        <td class="nump">1,354<span></span></td>
        <td class="nump">1,410<span></span></td>
        <td class="nump">1,324<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfSecuritiesNet', window );">Gains on sales of securities</a></td>
        <td class="nump">43<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">697<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncomeOther', window );">Other</a></td>
        <td class="nump">739<span></span></td>
        <td class="nump">553<span></span></td>
        <td class="nump">552<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestIncome', window );">Total fee revenue and other income</a></td>
        <td class="nump">62,824<span></span></td>
        <td class="nump">56,146<span></span></td>
        <td class="nump">51,238<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperatingAbstract', window );"><strong>Interest Income:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndFeeIncomeLoansAndLeases', window );">Interest and fees on loans</a></td>
        <td class="nump">39,515<span></span></td>
        <td class="nump">39,785<span></span></td>
        <td class="nump">36,003<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract', window );"><strong>Interest and dividends on securities:</strong></a></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeSecuritiesTaxable', window );">Taxable</a></td>
        <td class="nump">41<span></span></td>
        <td class="nump">43<span></span></td>
        <td class="nump">58<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeSecuritiesTaxExempt', window );">Exempt from federal income taxes</a></td>
        <td class="nump">9,993<span></span></td>
        <td class="nump">8,704<span></span></td>
        <td class="nump">7,553<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cass_InterestOnFederalFundsSoldAndOtherShortTermInvestments', window );">Interest on federal funds sold and other short-term investments</a></td>
        <td class="nump">686<span></span></td>
        <td class="nump">514<span></span></td>
        <td class="nump">170<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestAndDividendIncomeOperating', window );">Total interest income</a></td>
        <td class="nump">50,235<span></span></td>
        <td class="nump">49,046<span></span></td>
        <td class="nump">43,784<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpenseAbstract', window );"><strong>Interest Expense:</strong></a></td>
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        <td class="nump">4,374<span></span></td>
        <td class="nump">4,875<span></span></td>
        <td class="nump">4,924<span></span></td>
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        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">23<span></span></td>
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        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">106<span></span></td>
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        <td class="nump">4,374<span></span></td>
        <td class="nump">4,875<span></span></td>
        <td class="nump">5,053<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseNet', window );">Net interest income</a></td>
        <td class="nump">45,861<span></span></td>
        <td class="nump">44,171<span></span></td>
        <td class="nump">38,731<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Provisions for loan losses</a></td>
        <td class="nump">2,150<span></span></td>
        <td class="nump">4,100<span></span></td>
        <td class="nump">2,050<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss', window );">Net interest income after provision for loan losses</a></td>
        <td class="nump">43,711<span></span></td>
        <td class="nump">40,071<span></span></td>
        <td class="nump">36,681<span></span></td>
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      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Revenues', window );">Total net revenue</a></td>
        <td class="nump">106,535<span></span></td>
        <td class="nump">96,217<span></span></td>
        <td class="nump">87,919<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpenseAbstract', window );"><strong>Operating Expense:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LaborAndRelatedExpense', window );">Salaries and employee benefits</a></td>
        <td class="nump">56,573<span></span></td>
        <td class="nump">51,368<span></span></td>
        <td class="nump">50,614<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OccupancyNet', window );">Occupancy</a></td>
        <td class="nump">2,318<span></span></td>
        <td class="nump">2,485<span></span></td>
        <td class="nump">2,396<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquipmentExpense', window );">Equipment</a></td>
        <td class="nump">3,525<span></span></td>
        <td class="nump">3,561<span></span></td>
        <td class="nump">3,348<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationOfIntangibleAssets', window );">Amortization of intangible assets</a></td>
        <td class="nump">107<span></span></td>
        <td class="nump">107<span></span></td>
        <td class="nump">222<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherNoninterestExpense', window );">Other operating</a></td>
        <td class="nump">12,506<span></span></td>
        <td class="nump">10,763<span></span></td>
        <td class="nump">9,805<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NoninterestExpense', window );">Total operating expense</a></td>
        <td class="nump">75,029<span></span></td>
        <td class="nump">68,284<span></span></td>
        <td class="nump">66,385<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest', window );">Income before income tax expense</a></td>
        <td class="nump">31,506<span></span></td>
        <td class="nump">27,933<span></span></td>
        <td class="nump">21,534<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income tax expense</a></td>
        <td class="nump">8,497<span></span></td>
        <td class="nump">7,623<span></span></td>
        <td class="nump">5,405<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">$ 23,009<span></span></td>
        <td class="nump">$ 20,310<span></span></td>
        <td class="nump">$ 16,129<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasic', window );">Basic Earnings Per Share (in dollars per share)</a></td>
        <td class="nump">$ 2.23<span></span></td>
        <td class="nump">$ 1.98<span></span></td>
        <td class="nump">$ 1.60<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareDiluted', window );">Diluted Earnings Per Share (in dollars per share)</a></td>
        <td class="nump">$ 2.21<span></span></td>
        <td class="nump">$ 1.95<span></span></td>
        <td class="nump">$ 1.57<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cass_InformationServicesPaymentAndProcessingRevenue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Revenue earned from providing services relating to transportation invoice rating, payment, audit, accounting and transportation information to many of the nation's largest companies.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cass_InformationServicesPaymentAndProcessingRevenue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cass_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cass_InterestOnFederalFundsSoldAndOtherShortTermInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest income on federal funds sold and other short-term investments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cass_InterestOnFederalFundsSoldAndOtherShortTermInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cass_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationOfIntangibleAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph a(2)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388964&amp;loc=d3e16225-109274<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AmortizationOfIntangibleAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 52<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945512&amp;loc=d3e4984-109258<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 20<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 7<br><br> -Paragraph 18<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.23)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 36, 37, 38<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1252-109256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareBasic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareDiluted">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 11, 12, 36<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 20<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1252-109256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 7<br><br> -Paragraph 18<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareDiluted</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquipmentExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents equipment expense including depreciation, repairs, rentals, and service contract costs. This item also includes equipment purchases which do not qualify for capitalization in accordance with the entity's accounting policy. This item may also include furniture expenses.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EquipmentExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FeesAndCommissions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total fees and commissions earned from providing services such as leasing of space or maintaining: (1) depositor accounts; (2) transfer agent; (3) fiduciary and trust; (4) brokerage and underwriting; (5) mortgage; (6) credit cards; (7) correspondent clearing; and (8) other such services and activities performed for others.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 13<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FeesAndCommissions</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfSecuritiesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain (loss) realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Subparagraph h<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 3<br><br> -Article 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnSaleOfSecuritiesNet</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the income or loss from continuing operations attributable to the economic entity which may also be defined as revenue less expenses from ongoing operations, after income or loss from equity method investments, but before income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 10<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the current income tax expense or benefit and the deferred income tax expense or benefit pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 45<br><br> -Subparagraph a, b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndDividendIncomeOperating">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-BRD<br><br> -Chapter 4<br><br> -Paragraph 9, 51, 54<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 1, 2 , 3, 4, 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.1-5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndDividendIncomeOperating</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndDividendIncomeOperatingAbstract</nobr></td>
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          </td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndDividendIncomeSecuritiesByTaxableStatusAbstract</nobr></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestAndFeeIncomeLoansAndLeases">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 1<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestAndFeeIncomeLoansAndLeases</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
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          </td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cost of borrowed funds accounted for as interest that was charged against earnings during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.9)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 34<br><br> -Paragraph 21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 9<br><br> -Article 9<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 9<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpense</nobr></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate amount of interest expense on all deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 6<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 6<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseDeposits</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseShortTermBorrowings">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate interest expense incurred on short-term borrowings including commercial paper and Federal funds purchased and securities sold under agreements to repurchase.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 7<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 7<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseShortTermBorrowings</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
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        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpenseSubordinatedNotesAndDebentures">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest expense incurred during the reporting period on subordinated notes and debentures. Includes amortization of expenses incurred in the issuance of subordinated notes and debentures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Subsection I<br><br> -Paragraph 8<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.8)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpenseSubordinatedNotesAndDebentures</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net interest and dividend income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeExpenseNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net amount of operating interest income (expense).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 10<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.10)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeExpenseNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeSecuritiesTaxable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest income derived from investment securities which are subject to federal income taxes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 2<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeSecuritiesTaxable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeSecuritiesTaxExempt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest income derived from securities which are exempt from federal income taxes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 2<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeSecuritiesTaxExempt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LaborAndRelatedExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of expenditures for salaries, wages, profit sharing and incentive compensation, and other employee benefits, including equity-based compensation, and pension and other postretirement benefit expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LaborAndRelatedExpense</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e565-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A7<br><br> -Appendix A<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 10, 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 87-21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 19<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28, 29, 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
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        <tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total aggregate amount of all noninterest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 14<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 14<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestExpense</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestExpenseAbstract</nobr></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncome">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 13<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestIncome</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NoninterestIncomeOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the total of noninterest income derived from certain activities and assets including (for example): (1) venture capital investments; (2) bank owned life insurance; (3) foreign currency transactions; and (4) mortgage servicing rights.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NoninterestIncomeOther</nobr></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OccupancyNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 840<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6455398&amp;loc=d3e45280-112737<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-BRD<br><br> -Chapter 4<br><br> -Paragraph 62<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<br><br> -Paragraph 16<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<br><br> -Paragraph 16<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 13<br><br> -Paragraph 16<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OccupancyNet</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherNoninterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Other noninterest expenses that are not separately presented in any other noninterest expense category.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherNoninterestExpense</nobr></td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Allowance expensed for the period based on estimated losses to be realized from loan transactions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 11<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 5<br><br> -Paragraph 17<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate revenue recognized during the period (derived from goods sold, services rendered, insurance premiums, or other activities that constitute an entity's earning process). For financial services companies, also includes investment and interest income, and sales and trading gains.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 1<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Premises and Equipment<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text"><p align="justify"><b><font style="font-family:times new roman" size="2">Note 5<br /></font></b><b><font style="font-family:times new roman" size="2">Premises and Equipment</font></b></p>
<p align="justify"><font style="font-family:times new roman" size="2">A summary of premises and equipment is as follows: </font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="89%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"><b><font style="font-family:times new roman" size="2">December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="89%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="89%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Land</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">873</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">873</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="89%"><font style="font-family:times new roman" size="2">Buildings</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">10,491</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">10,491</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="89%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Leasehold improvements</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">836</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,794</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="89%"><font style="font-family:times new roman" size="2">Furniture, fixtures and equipment</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">10,072</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">11,247</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="89%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Purchased software</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5,894</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5,390</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="89%"><font style="font-family:times new roman" size="2">Internally developed software</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,650</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">3,283</font></td>
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<tr valign="bottom">
<td align="left" nowrap="nowrap" width="89%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">30,816</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">33,078</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="89%"><font style="font-family:times new roman" size="2">Less accumulated depreciation</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" style="border-bottom:
 #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">21,229</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">23,461</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="89%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Total</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">9,587</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">9,617</font></td>
</tr>
</table>
<div>&#160;</div>
<div style="page-break-before: always;"><font style="font-family:times new roman" size="2">Total depreciation charged to expense in 2011, 2010 and 2009 amounted to $1,955,000, $2,024,000, and $2,243,000, respectively. </font></div>
<p align="justify"><font style="font-family:times new roman" size="2">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: </font></p>
<table style="width: 60%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="95%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Amount</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="95%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2012</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">614</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="95%"><font style="font-family:times new roman" size="2">2013</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">487</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="95%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2014</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">321</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="95%"><font style="font-family:times new roman" size="2">2015</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">196</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="95%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2016</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">46</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="95%"><font style="font-family:times new roman" size="2">Total</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,664</font></td>
</tr>
</table>
<div>&#160;</div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software. This disclosure may include property plant and equipment accounting policies and methodology, a schedule of property, plant and equipment gross, additions, deletions, transfers and other changes, depreciation, depletion and amortization expense, net, accumulated depreciation, depletion and amortization expense and useful lives, income statement disclosures, assets held for sale and public utility disclosures.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.13-14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391110&amp;loc=d3e2921-110230<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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  <head>
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    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Loans by Type<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ReceivablesAbstract', window );"><strong>Receivables [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock', window );">Loans, Notes, Trade and Other Receivables Disclosure [Text Block]</a></td>
        <td class="text"><p align="justify"><b><font style="font-family:times new roman" size="2">Note 4<br />Loans</font></b></p>
<p align="justify"><font style="font-family:times new roman" size="2">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. </font></p>
<p align="justify"><font style="font-family:times new roman" size="2">A summary of loan categories is as follows: </font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"><b><font style="font-family:times new roman" size="2">December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Commercial and industrial</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">136,916</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">135,061</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%"><font style="font-family:times new roman" size="2">Real estate</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Commercial:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Mortgage</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">140,848</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">152,215</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Construction</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">9,067</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">18,434</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Church, church-related:</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Mortgage</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">347,726</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">365,378</font></td>
</tr>
<tr valign="bottom">
<td
 align="left" nowrap="nowrap" width="90%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Construction</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">36,497</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">36,318</font></td>
</tr>
<tr>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Other</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">511</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,227</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%" bgcolor="#ffffff"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total loans<font style="font-family:times new roman"></font></font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#ffffff"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#ffffff"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#ffffff"><font style="font-family:times new roman" size="2">671,565</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#ffffff"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#ffffff"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#ffffff"><font style="font-family:times new roman" size="2">708,633</font></td>
</tr>
</table>
<div><font style="font-family:times new roman" size="2"></font>&#160;</div>
<div><font style="font-family:times new roman" size="2">The following table presents the aging of loans by loan categories at December 31, 2011: </font></div>
<div><font style="font-family:times new roman" size="2"></font>&#160;</div>
<table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" width="14%" colspan="8"><b><font style="font-family:times new roman" size="2">Performing</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="14%" colspan="8"><b><font style="font-family:times new roman" size="2">Nonperforming</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">90 Days</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">30-59</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">60-89</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">and</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Non</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Total</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="69%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Current</font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap"
 width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Days</font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Days</font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Over</font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Accrual</font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Loans</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Commercial and industrial</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">136,850</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">10</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">56</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">136,916</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%"><font style="font-family:times new roman" size="2">Real estate</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Commercial:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Mortgage</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">139,249</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">137</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font
 style="font-family:times new roman" size="2">29</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,433</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">140,848</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Construction</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">9,067</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">9,067</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Church, church-related:</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Mortgage</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">347,506</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">220</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">347,726</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Construction</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">36,497</font></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">36,497</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap"
 width="69%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Other</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">511</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">511</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="69%"><font style="font-family:times new roman" size="2">Total</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">669,680</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">137</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">10</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">29</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,709</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">671,565</font></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">The following table presents the aging of loans by loan categories at December 31, 2010: </font></p>
<table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" width="14%" colspan="8"><b><font style="font-family:times new roman" size="2">Performing</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="14%" colspan="8"><b><font style="font-family:times new roman" size="2">Nonperforming</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;"
 nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">90 Days</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">30-59</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">60-89</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">and</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Non</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Total</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="69%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Current</font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Days</font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Days</font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Over</font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Accrual</font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Loans</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Commercial and industrial</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">134,936</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">79</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">46</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">135,061</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%"><font style="font-family:times new roman" size="2">Real estate</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%" bgcolor="#c0c0c0"><font
 style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Commercial:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Mortgage</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">151,581</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">145</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">489</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">152,215</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Construction</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">18,434</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">18,434</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Church, church-related:</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Mortgage</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">363,424</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,924</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%"
 bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">30</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">365,378</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="69%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Construction</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">36,318</font></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">36,318</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="69%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Other</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,227</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,227</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="69%"><font style="font-family:times new roman" size="2">Total</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">705,920</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,148</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left"
 style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">565</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">708,633</font></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">The following table presents the credit exposure of the loan portfolio by internally assigned credit grade as of December 31, 2011: </font></p>
<table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Loans</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Performing</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Nonperforming</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Subject to</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Loans Subject to</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Loans Subject to</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Normal</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Special</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Special</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Total</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="80%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Monitoring</font></b><b><font style="font-family:times new roman" size="2"><sup>1</sup></font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Monitoring<sup>2</sup></font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Monitoring<sup>2</sup></font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Loans</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Commercial and industrial</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">132,475</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">4,385</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">56</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">136,916</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%"><font style="font-family:times new roman" size="2">Real estate</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td
 align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Commercial:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Mortgage</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">125,850</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">13,536</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,462</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">140,848</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Construction</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">9,067</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">9,067</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Church, church-related:</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Mortgage</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">336,727</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">10,779</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">220</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">347,726</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Construction</font></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">36,497</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td
 align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">36,497</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Other</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">511</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">511</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="80%"><font style="font-family:times new roman" size="2">Total</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">641,127</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">28,700</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,738</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">671,565</font></td>
</tr>
</table>
<div>&#160;</div>
<table style="text-align: justify;" cellspacing="0" cellpadding="0" border="0">
<tr>
<td valign="top" nowrap="nowrap"><sup><font style="font-family:times new roman" size="2">1</font></sup></td>
<td valign="top" nowrap="nowrap"></td>
<td style="border-top: #ffffff 2pt solid;" width="100%"><font style="font-family:times new roman" size="2">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.</font></td>
</tr>
<tr>
<td valign="top" nowrap="nowrap"><sup><font style="font-family:times new roman" size="2">2</font></sup></td>
<td valign="top" nowrap="nowrap">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-top: #ffffff 2pt solid;" width="100%"><font style="font-family:times new roman" size="2">Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a high level of management attention.</font></td>
</tr>
</table>
<div style="page-break-before: always;"><font style="font-family:times new roman" size="2"></font>&#160;</div>
<div style="page-break-before: always;"><font style="font-family:times new roman" size="2">The following table presents the credit exposure of the loan portfolio by internally assigned credit grade as of December 31, 2010: </font></div>
<div style="page-break-before: always;"><font style="font-family:times new roman" size="2"></font>&#160;</div>
<table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Loans</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Performing</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Nonperforming</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Subject to</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Loans Subject
 to</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Loans Subject to</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Normal</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Special</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Special</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Total</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="80%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Monitoring</font></b><b><font style="font-family:times new roman" size="2"><sup>1</sup></font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Monitoring<sup>2</sup></font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Monitoring<sup>2</sup></font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Loans</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Commercial and industrial</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">130,148</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">4,867</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">46</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">135,061</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%"><font style="font-family:times new roman" size="2">Real estate</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Commercial:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Mortgage</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">143,009</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">8,717</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">489</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap"
 width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">152,215</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Construction</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">18,434</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">18,434</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Church, church-related:</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Mortgage</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">353,578</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">11,770</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">30</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">365,378</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="80%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Construction</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">36,318</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">36,318</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="80%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Other</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,227</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,227</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="80%"><font style="font-family:times new roman" size="2">Total</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right"
 style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">682,714</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">25,354</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">565</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">708,633</font></td>
</tr>
</table>
<div>&#160;</div>
<table style="text-align: justify;" cellspacing="0" cellpadding="0" border="0">
<tr>
<td valign="top" nowrap="nowrap"><sup><font style="font-family:times new roman" size="2">1</font></sup></td>
<td valign="top" nowrap="nowrap"></td>
<td style="border-top: #ffffff 2pt solid;" width="100%"><font style="font-family:times new roman" size="2">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.</font></td>
</tr>
<tr>
<td valign="top" nowrap="nowrap"><sup><font style="font-family:times new roman" size="2">2</font></sup></td>
<td valign="top" nowrap="nowrap">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-top: #ffffff 2pt solid;" width="100%"><font style="font-family:times new roman" size="2">Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a high level of management attention.</font></td>
</tr>
</table>
<p align="justify"><font style="font-family:times new roman" size="2">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.</font></p>
<p align="justify"><font style="font-family:times new roman" size="2">The following table presents the recorded investment and unpaid principal balance for impaired loans at December 31, 2011: </font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Unpaid</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Related</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Recorded</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Principal</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Allowance for</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="84%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Investment</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Balance</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font
 style="font-family:times new roman" size="2">Loan Losses</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Commercial and industrial:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Nonaccrual</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">56</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">56</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">28</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Troubled debt restructurings still accruing</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">83</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">83</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">8</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%"><font style="font-family:times new roman" size="2">Real estate</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Commercial &#8211; Mortgage:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Nonaccrual</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,433</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,433</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">149</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Past due 90 days or more and still accruing</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">29</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">29</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Troubled debt restructurings still accruing</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">4,396</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right"
 nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">4,396</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">766</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Church &#8211; Mortgage:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="84%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Nonaccrual</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">220</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">220</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">115</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Total impaired loans</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">6,217</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">6,217</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,066</font></td>
</tr>
</table>
<div>&#160;</div>
<div style="page-break-before: always;"><font style="font-family:times new roman" size="2">The following table presents the recorded investment and unpaid principal balance for impaired loans at December 31, 2010: </font></div>
<div style="page-break-before: always;"><font style="font-family:times new roman" size="2"></font>&#160;</div>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Unpaid</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Related</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Recorded</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Principal</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Allowance for</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="84%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Investment</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Balance</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td
 style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Loan Losses</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Commercial and industrial:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Nonaccrual</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">46</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">46</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">5</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Troubled debt restructurings still accruing</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%"><font style="font-family:times new roman" size="2">Real estate</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Commercial &#8211; Mortgage:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Nonaccrual</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">489</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">489</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">100</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Church &#8211; Mortgage:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="84%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Nonaccrual</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">30</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom:
 #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">30</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">15</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Total impaired loans</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">565</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">565</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">120</font></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">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, &#8220;Allowance for Credit Losses&#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. </font></p>
<p align="justify"><font style="font-family:times new roman" size="2">A summary of the activity in the allowance for loan losses is as follows: </font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">December 31,</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Charge-</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="73%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Offs</font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Recoveries</font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">Provision</font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Commercial and industrial</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2,732</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,118</font></td>
<td align="left" nowrap="nowrap"
 width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">58</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">922</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2,594</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">Real estate</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Commercial:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Mortgage</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">3,356</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,420</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">4,776</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Construction</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">269</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(102</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">167</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Church, church-related:</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left"
 nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Mortgage</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5,135</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">28</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(311</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">4,797</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Construction</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">387</font></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">229</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">616</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Other</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">12</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(8</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">4</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">Total</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">11,891</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,146</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left"
 style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">59</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,150</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">12,954</font></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">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. </font></p><span></span></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for claims held for amounts due a company. Examples include trade accounts receivables, notes receivables, loans receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5066-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5162-111524<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3, 4<br><br> -Article 5<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(k))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3,4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 4<br><br> -Section 08<br><br> -Paragraph k<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5074-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock</nobr></td>
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                    <td>us-gaap_</td>
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                    <td>nonnum:textBlockItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ReceivablesAbstract">
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Industry Segment Information<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingAbstract', window );"><strong>Segment Reporting [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingDisclosureTextBlock', window );">Segment Reporting Disclosure [Text Block]</a></td>
        <td class="text"><p align="justify"><b><font style="font-family:times new roman" size="2">Note 16<br /></font></b><b><font style="font-family:times new roman" size="2">Industry Segment Information</font></b></p>
<p align="justify"><font style="font-family:times new roman" size="2">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.</font></p>
<p align="justify"><font style="font-family:times new roman" size="2">The Company&#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.</font><font style="font-family:times new roman" size="1"> </font></p>
<p align="justify"><font style="font-family:times new roman" size="2">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&#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&#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. </font></p>
<p align="justify"><font style="font-family:times new roman" size="2">Summarized information about the Company&#8217;s operations in each industry segment for the years ended December 31, 2011, 2010 and 2009, is as follows: </font></p>
<table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="10%" colspan="3"><b><font style="font-family:times new roman" size="2">Corporate,</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Information</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">Banking</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="10%" colspan="3"><b><font style="font-family:times new roman" size="2">Eliminations</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="73%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Services</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">Services</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="10%" colspan="3"><b><font style="font-family:times new roman" size="2">and Other</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Total</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><b><i><font style="font-family:times new roman" size="2">2011</font></i></b></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">Fee revenue and other income:</font></td>
<td align="left"
 nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="8%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Income from customers</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">61,470</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,354</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">62,824</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Intersegment income (expense)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">10,088</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,859</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="8%"><font style="font-family:times new roman" size="2">(11,947</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Net interest income (expense) after provision<br />&#160;&#160;&#160;&#160;&#160;&#160;&#160;for loan losses:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Income from customers</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">21,030</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">22,681</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="8%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">43,711</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Intersegment income (expense)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">17</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(17</font></td>
<td
 align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">Depreciation and amortization</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,874</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">164</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="8%"><font style="font-family:times new roman" size="2">24</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,062</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Income taxes</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">3,028</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5,469</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">8,497</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">Net income</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">14,716</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">8,293</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="8%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">23,009</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Goodwill</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">7,335</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">136</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">7,471</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">Other intangible assets, net</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">161</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="8%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">161</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman"
 size="2">Total assets</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">698,685</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">622,996</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(2,380</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,319,301</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><b><i><font style="font-family:times new roman" size="2">2010</font></i></b></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="8%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Fee revenue and other income:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Income from customers</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">54,732</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,414</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="8%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">56,146</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Intersegment income (expense)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">8,939</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,656</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(10,595</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td
 align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">Net interest income (expense) after provision<br />&#160;&#160;&#160;&#160;&#160;&#160;&#160;for loan losses:</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="8%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Income from customers</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">19,381</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">20,690</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">40,071</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Intersegment income (expense)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">23</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(23</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="8%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Depreciation and amortization</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,875</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">242</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">14</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2,131</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">Income taxes</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,955</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">4,668</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="8%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">7,623</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Net income</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">13,220</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman"
 size="2">7,090</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">20,310</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">Goodwill</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">7,335</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">136</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="8%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">7,471</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Other intangible assets, net</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">268</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">268</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">Total assets</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">612,981</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">580,948</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="8%"><font style="font-family:times new roman" size="2">(5,894</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,188,035</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><b><i><font style="font-family:times new roman" size="2">2009</font></i></b></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">Fee revenue and other income:</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap"
 width="1%"></td>
<td align="left" nowrap="nowrap" width="8%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Income from customers</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">49,913</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,325</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">51,238</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Intersegment income (expense)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">6,964</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,632</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="8%"><font style="font-family:times new roman" size="2">(8,596</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Net interest income (expense) after provision<br />&#160;&#160;&#160;&#160;&#160;&#160;&#160;for loan losses:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Income from customers</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">19,220</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">17,461</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="8%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">36,681</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Intersegment income (expense)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">94</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(94</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td
 align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">Depreciation and amortization</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,147</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">305</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="8%"><font style="font-family:times new roman" size="2">13</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,465</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Income taxes</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2,158</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">3,247</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5,405</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">Net income</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">11,047</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">5,082</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="8%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">16,129</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Goodwill</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">7,335</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">136</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">7,471</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="73%"><font style="font-family:times new roman" size="2">Other intangible assets, net</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">375</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="8%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">375</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="73%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Total assets</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">527,897</font></td>
<td align="left" style="border-bottom:
 #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">496,286</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="8%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(11,202</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,012,981</font></td>
</tr>
</table>
<div>&#160;</div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SegmentReportingAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SegmentReportingAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SegmentReportingDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8595-108599<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8538-108599<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8971-108599<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 34<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8981-108599<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 29<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8864-108599<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8380-108599<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 35<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8984-108599<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 41<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e9038-108599<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 32<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8933-108599<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 131<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 30<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8906-108599<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8844-108599<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 40<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e9031-108599<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 42<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e9054-108599<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 31<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8924-108599<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Other Operating Expense<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cass_OtherOperatingExpenseAbstract', window );"><strong>Other Operating Expense [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cass_OtherOperatingExpenseTextBlock', window );">Other Operating Expense [Text Block]</a></td>
        <td class="text"><p align="justify"><b><font style="font-family:times new roman" size="2">Note 12<br /></font></b><b><font style="font-family:times new roman" size="2">Other Operating Expense</font></b></p>
<p align="justify"><font style="font-family:times new roman" size="2">Details of other operating expense are as follows: </font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="85%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="14%" colspan="8"><b><font style="font-family:times new roman" size="2">For the Years Ended December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="85%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">2009</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Postage and supplies</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2,239</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2,031</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2,171</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="85%"><font style="font-family:times new roman" size="2">Promotional expense</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,646</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,588</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,508</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Professional fees</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">3,141</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,892</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,388</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="85%"><font style="font-family:times new roman" size="2">Outside service fees</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,628</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,282</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,956</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Data processing services</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">362</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">356</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">339</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="85%"><font style="font-family:times new roman" size="2">Telecommunications</font></td>
<td align="left" nowrap="nowrap"
 width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">641</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">627</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">550</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Other</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,849</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,987</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,893</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="85%"><font style="font-family:times new roman" size="2">Total other operating expense</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">12,506</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">10,763</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">9,805</font></td>
</tr>
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<div><br />&#160;</div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for other operating expense includes such items as postage, professional fees, data processing services, etc. incurred by the entity during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Subordinated Convertible Debentures and Unused Available Lines of Credit<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtDisclosureAbstract', window );"><strong>Debt Disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtDisclosureTextBlock', window );">Debt Disclosure [Text Block]</a></td>
        <td class="text"><p align="justify"><b><font style="font-family:times new roman" size="2">Note 8<br /></font></b><b><font style="font-family:times new roman" size="2">Subordinated Convertible Debentures and Unused Available Lines of Credit</font></b></p>
<p align="justify"><font style="font-family:times new roman" size="2">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&#8217;s common stock in accordance with the conversion provisions. As such, no convertible debentures are outstanding as of December 31, 2010 and 2011.</font></p>
<p align="justify"><font style="font-family:times new roman" size="2">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.</font></p><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                <p>The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19,20,22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 2, 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 19, 20, 22<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21475-112644<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Intangible Assets<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract', window );"><strong>Goodwill and Intangible Assets Disclosure [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock', window );">Goodwill and Intangible Assets Disclosure [Text Block]</a></td>
        <td class="text"><p align="justify"><b><font style="font-family:times new roman" size="2">Note 6<br /></font></b><b><font style="font-family:times new roman" size="2">Acquired Intangible Assets</font></b></p>
<p align="justify"><font style="font-family:times new roman" size="2">The Company accounts for intangible assets in accordance with FASB ASC 350, &#8220;Goodwill and Other Intangible Assets,&#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&#8217;s intangible assets are as follows: </font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="77%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="10%" colspan="6"><b><font style="font-family:times new roman" size="2">December 31, 2011</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="10%" colspan="6"><b><font style="font-family:times new roman" size="2">December 31, 2010</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="77%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Gross Carrying</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">Accumulated</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Gross Carrying</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">Accumulated</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="77%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Amount</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">Amortization</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Amount</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">Amortization</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="77%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Assets eligible for amortization:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="77%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Customer List</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">750</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(589</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">750</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(482</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="77%"
 bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">750</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(589</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">750</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(482</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="77%"><font style="font-family:times new roman" size="2">Unamortized intangible assets:</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="77%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Goodwill<sup>1</sup></font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">7,698</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(227</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">7,698</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(227</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="77%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total unamortized intangibles</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">7,698</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(227</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">7,698</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(227</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;"
 nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="77%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Total intangible assets</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">8,448</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(816</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">8,448</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(709</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
</table>
<table style="text-align: justify;" cellspacing="0" cellpadding="0" border="0">
<tr>
<td valign="top" nowrap="nowrap"><sup><font style="font-family:times new roman" size="2">1</font></sup></td>
<td valign="top" nowrap="nowrap">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-top: #ffffff 2pt solid;" width="100%"><font style="font-family:times new roman" size="2">Amortization through December 31, 2001 prior to adoption of FASB ASC 350<font style="font-family:times new roman" size="1">.</font></font></td>
</tr>
</table>
<p align="justify"><font style="font-family:times new roman" size="2">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. </font></p><span></span></td>
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                <p>The entire disclosure for the aggregate amount of goodwill and a description of intangible assets, which may include (a) for amortizable intangible assets (also referred to as finite-lived intangible assets), the carrying amount, the amount of any significant residual value, and the weighted-average amortization period, (b) for intangible assets not subject to amortization (also referred to as indefinite-lived intangible assets), the carrying amount, and (c) the amount of research and development assets acquired and written off in the period, including the line item in the income statement in which the amounts written off are aggregated, if not readily apparent from the income statement. Also discloses (a) for amortizable intangibles assets in total and by major class, the gross carrying amount and accumulated amortization, the total amortization expense for the period, and the estimated aggregate amortization expense for each of the five succeeding fiscal years, (b) for intangible assets not subject to amortization the carrying amount in total and by major class, and (c) for goodwill, in total and for each reportable segment, the changes in the carrying amount of goodwill during the period (including the aggregate amount of goodwill acquired, the aggregate amount of impairment losses recognized, and the amount of goodwill included in the gain (loss) on disposal of a reporting unit). If any part of goodwill has not been allocated to a reportable segment, discloses the unallocated amount and the reasons for not allocating. For each impairment loss recognized related to an intangible asset (excluding goodwill), discloses: (a) a description of the impaired intangible asset and the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method for determining fair value, (c) the caption in the income statement or the statement of activities in which the impairment loss is aggregated, and (d) the segment in which the impaired intangible asset is reported. For each goodwill impairment loss recognized, discloses: (a) a description of the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method of determining the fair value of the associated reporting unit, and (c) if a recognized impairment loss is an estimate not finalized and the reasons why the estimate is not final.  May also disclose the nature and amount of any significant adjustments made to a previous estimate of an impairment loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13816-109267<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16265-109275<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 42, 43, 44, 45, 46, 47<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16373-109275<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13854-109267<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Interest-Bearing Deposits<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
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      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text"><p align="justify"><b><font style="font-family:times new roman" size="2">Note 7<br /></font></b><b><font style="font-family:times new roman" size="2">Interest-Bearing Deposits</font></b></p>
<p align="justify"><font style="font-family:times new roman" size="2">Interest-bearing deposits consist of the following:</font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"><b><font style="font-family:times new roman" size="2">December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">NOW and money market deposit accounts</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">257,294</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">215,927</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%"><font style="font-family:times new roman" size="2">Savings deposits</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">28,037</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">32,447</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Time deposits:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Less than $100</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">13,167</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">20,950</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;$100 or more</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">117,914</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">136,169</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"><font style="font-family:times new roman" size="2">Total</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">416,412</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">405,493</font></td>
</tr>
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<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">Interest on deposits consists of the following: </font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="85%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" width="14%" colspan="8"><b><font style="font-family:times new roman" size="2">December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;"
 nowrap="nowrap" width="85%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%"><b><font style="font-family:times new roman" size="2">2009</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">NOW and money market deposit accounts</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2,162</font></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2,082</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,797</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="85%"><font style="font-family:times new roman" size="2">Savings deposits</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">225</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">321</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">335</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Time deposits:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="85%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Less than $100</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,297</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,658</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,729</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="85%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;$100 or more</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">690</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">814</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,063</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="85%"><font style="font-family:times new roman" size="2">Total</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">4,374</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap"
 width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">4,875</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">4,924</font></td>
</tr>
</table>
<div><font style="font-family:times new roman" size="2"></font>&#160;</div>
<div><font style="font-family:times new roman" size="2">The scheduled maturities of time deposits are summarized as follows: </font></div>
<div><font style="font-family:times new roman" size="2"></font>&#160;</div>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="81%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="18%" colspan="11"><b><font style="font-family:times new roman" size="2">December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="81%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="8%" colspan="5"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="81%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Percent</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="2%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Percent</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="81%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Amount</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">of Total</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="2"><b><font style="font-family:times new roman" size="2">Amount</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">of Total</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="81%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Due within:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="81%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;One year</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">119,394</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">91.1</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">%</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="2%"><font style="font-family:times new roman" size="2">134,217</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">85.4</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">%</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="81%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Two years</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right"
 nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">7,362</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5.6</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">%</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">19,442</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">12.4</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">%</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="81%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Three years</font></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,735</font></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1.3</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">%</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="2%"><font style="font-family:times new roman" size="2">914</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">0.6</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">%</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="81%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Four years</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2,332</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1.8</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">%</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">447</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">0.3</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">%</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="81%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Five years</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">258</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">.2</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">%</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="2%"><font style="font-family:times new roman" size="2">2,099</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1.3</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">%</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="81%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Total</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">131,081</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">100.0</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">%</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="2%" bgcolor="#c0c0c0"><font
 style="font-family:times new roman" size="2">157,119</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">100.0</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">%</font></td>
</tr>
</table>
<div>&#160;</div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cass_InterestBearingDepositsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cass_InterestBearingDepositsAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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              </div>
            </div>
          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepositLiabilitiesDisclosuresTextBlock">
        <tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 14<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 405<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479006&amp;loc=d3e64164-112818<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepositLiabilitiesDisclosuresTextBlock</nobr></td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Earnings Per Share<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Earnings Per Share [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareTextBlock', window );">Earnings Per Share [Text Block]</a></td>
        <td class="text"><p align="justify"><b><font style="font-family:times new roman" size="2">Note 9<br /></font></b><b><font style="font-family:times new roman" size="2">Common Stock and Earnings per Share</font></b></p>
<p align="justify"><font style="font-family:times new roman" size="2">The table below shows activity in the outstanding shares of the Company&#8217;s common stock during 2011.</font></p>
<table style="width: 60%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="96%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="96%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Shares outstanding at January 1</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">9,387,791</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="96%"><font style="font-family:times new roman" size="2">10% stock dividend issued December 15, 2011</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">940,839</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="96%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Issuance of common stock:</font></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="96%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Issued under stock-based compensation plan</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">21,195</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="96%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Stock options/SARs exercised</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">8,105</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="96%"><font style="font-family:times new roman" size="2">Shares outstanding at December 31</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">10,357,930</font></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">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&#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.</font></p>
<div align="justify"><font style="font-family:times new roman" size="2">The calculations of basic and diluted earnings per share are as follows:</font></div>
<div align="justify"><font style="font-family:times new roman" size="2"></font>&#160;</div>
<table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="17%" colspan="8"><b><font style="font-family:times new roman" size="2">December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%"><i><font style="font-family:times new roman" size="2">(In thousands except share and per share data)</font></i></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="6%" colspan="2"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="2"><b><font style="font-family:times new roman" size="2">2009</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Basic</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="4%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Net income</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman"
 size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">23,009</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">20,310</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="4%"><font style="font-family:times new roman" size="2">16,129</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Weighted-average common shares outstanding</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">10,297,244</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">10,268,812</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="4%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">10,072,340</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Basic earnings per share</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2.23</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1.98</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="4%"><font style="font-family:times new roman" size="2">1.60</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Diluted</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="4%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Basic net income</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">23,009</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">20,310</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="4%"><font style="font-family:times new roman" size="2">16,129</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Net income effect of 5.33% convertible</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="4%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman"
 size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;debentures</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="4%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">55</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Diluted net income</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">23,009</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">20,310</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="4%"><font style="font-family:times new roman" size="2">16,184</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Weighted-average common shares outstanding</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">10,297,244</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">10,268,812</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="4%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">10,072,340</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Effect of dilutive restricted stock, stock</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="4%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;options and SARs</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">135,138</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">123,521</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="4%"><font style="font-family:times new roman" size="2">136,862</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Effect of convertible debentures</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="4%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">102,274</font></td>
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<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman"
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<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="left" nowrap="nowrap" width="4%"></td>
</tr>
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<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;assuming dilution</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">10,432,382</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">10,392,333</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="4%"><font style="font-family:times new roman" size="2">10,311,476</font></td>
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<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2.21</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1.95</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="4%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1.57</font></td>
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<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">All share and per share data have been restated to give effect to the 10% stock dividend issued on December 15, 2011.</font></p><span></span></td>
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                <p>The entire disclosure for earnings per share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1252-109256<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 52<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945512&amp;loc=d3e4984-109258<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 40<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1278-109256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Commitments and Contingencies<br></strong></div>
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        <td class="text"><p align="justify"><b><font style="font-family:times new roman" size="2">Note 14<br />Contingencies</font></b></p>
<p align="justify"><font style="font-family:times new roman" size="2">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&#8217;s bankruptcy filing. The Company processed and paid the freight carrier bills for Linens N&#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&#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.</font></p>
<p align="justify"><font style="font-family:times new roman" size="2">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. </font></p>
<p align="justify"><font style="font-family:times new roman" size="2">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.</font></p><span></span></td>
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                <p>The entire disclosure for commitments and contingencies.</p>
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                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14435-108349<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 460<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6398077&amp;loc=d3e12565-110249<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Interpretation (FIN)<br><br> -Number 14<br><br> -Paragraph 3<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 440<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6394976&amp;loc=d3e25287-109308<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 9, 10, 11, 12<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.25)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6449706&amp;loc=d3e16207-108621<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>SUPPLEMENTARY FINANCIAL INFORMATION<br></strong></div>
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<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Quarter</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Quarter</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">YTD</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"><b><i><font style="font-family:times new roman" size="2">2011</font></i></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="75%"><font style="font-family:times new roman" size="2">Fee revenue and other income</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">14,832</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">15,783</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">16,447</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">15,762</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">62,824</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Interest income</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">12,904</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td
 align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">12,795</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">12,494</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">12,042</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">50,235</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="75%"><font style="font-family:times new roman" size="2">Interest expense</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,206</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,125</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,060</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">983</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">4,374</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Net interest income</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">11,698</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">11,670</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">11,434</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">11,059</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">45,861</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="75%"><font style="font-family:times new roman" size="2">Provision for loan losses</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">450</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">850</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">550</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">300</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,150</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Operating expense</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">18,134</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">18,635</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">18,913</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">19,347</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td
 align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">75,029</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="75%"><font style="font-family:times new roman" size="2">Income tax expense</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,227</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,229</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,358</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,683</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">8,497</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Net income</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5,719</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5,739</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">6,060</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5,491</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">23,009</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="75%"><font style="font-family:times new roman" size="2">Net income per share:</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Basic earnings per share</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">.55</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">.56</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">.59</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">.53</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left"
 nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">2.23</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="75%"><font style="font-family:times new roman" size="2">Diluted earnings per share</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">.55</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">.55</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">.58</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">.53</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2.21</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"><b><i><font style="font-family:times new roman" size="2">2010</font></i></b></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="75%"><font style="font-family:times new roman" size="2">Fee revenue and other income</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">13,225</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">13,968</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">14,401</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">14,552</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">56,146</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Interest income</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">11,628</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">12,131</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">12,489</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">12,798</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">49,046</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="75%"><font style="font-family:times new roman" size="2">Interest expense</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,176</font></td>
<td align="left" style="border-bottom: #000000 1pt
 solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,199</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,249</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,251</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">4,875</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Net interest income</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">10,452</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">10,932</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">11,240</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">11,547</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">44,171</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="75%"><font style="font-family:times new roman" size="2">Provision for loan losses</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">900</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,150</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">950</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,100</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">4,100</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Operating expense</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">16,197</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">16,850</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">17,098</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">18,139</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">68,284</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="75%"><font style="font-family:times new roman" size="2">Income tax expense</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,831</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,000</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,013</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap"
 width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,779</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">7,623</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Net income</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">4,749</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">4,900</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5,580</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5,081</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">20,310</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="75%"><font style="font-family:times new roman" size="2">Net income per share:</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="75%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Basic earnings per share</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">.46</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">.48</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">.54</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">.50</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1.98</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="75%"><font style="font-family:times new roman" size="2">Diluted earnings per share</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">.46</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">.47</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">.54</font></td>
<td align="left"
 style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">.48</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1.95</font></td>
</tr>
</table>
<div>&#160;</div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdditionalFinancialInformationDisclosureTextBlock">
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosures of supplemental information, including descriptions and amounts, related to the balance sheet, income statement, and/or cash flow statement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdditionalFinancialInformationDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
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            </div>
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      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DisclosureTextBlockSupplementAbstract">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DisclosureTextBlockSupplementAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
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      </table>
    </div>
  </body>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>42
<FILENAME>R5.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EUHBG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="3">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2010</div>
        </th>
        <th class="th">
          <div>Dec. 31, 2009</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Cash Flows From Operating Activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income</a></td>
        <td class="nump">$ 23,009<span></span></td>
        <td class="nump">$ 20,310<span></span></td>
        <td class="nump">$ 16,129<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract', window );"><strong>Adjustments to reconcile net income to net cash provided by operating activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepreciationAmortizationAndAccretionNet', window );">Depreciation and amortization</a></td>
        <td class="nump">4,528<span></span></td>
        <td class="nump">4,026<span></span></td>
        <td class="nump">4,039<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnSaleOfSecuritiesNet', window );">Net gains on sales of securities</a></td>
        <td class="num">(43)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(697)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensation', window );">Stock-based compensation expense</a></td>
        <td class="nump">1,390<span></span></td>
        <td class="nump">1,472<span></span></td>
        <td class="nump">1,881<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanLossesExpensed', window );">Provisions for loan losses</a></td>
        <td class="nump">2,150<span></span></td>
        <td class="nump">4,100<span></span></td>
        <td class="nump">2,050<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredIncomeTaxExpenseBenefit', window );">Deferred income tax expense (benefit)</a></td>
        <td class="nump">2,145<span></span></td>
        <td class="nump">1,268<span></span></td>
        <td class="num">(650)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable', window );">Decrease in income tax liability</a></td>
        <td class="num">(192)<span></span></td>
        <td class="num">(487)<span></span></td>
        <td class="num">(869)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInPensionPlanObligations', window );">Decrease in pension liability</a></td>
        <td class="num">(6,817)<span></span></td>
        <td class="num">(4,259)<span></span></td>
        <td class="num">(398)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense', window );">FDIC insurance prepayment</a></td>
        <td class="nump">0<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="num">(2,124)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities', window );">Other operating activities, net</a></td>
        <td class="num">(528)<span></span></td>
        <td class="num">(2,654)<span></span></td>
        <td class="num">(282)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by operating activities</a></td>
        <td class="nump">25,642<span></span></td>
        <td class="nump">23,776<span></span></td>
        <td class="nump">19,079<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>Cash Flows From Investing Activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities', window );">Proceeds from sales of securities available-for-sale</a></td>
        <td class="nump">5,930<span></span></td>
        <td class="nump">0<span></span></td>
        <td class="nump">21,906<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities', window );">Proceeds from maturities of securities available-for-sale</a></td>
        <td class="nump">18,510<span></span></td>
        <td class="nump">4,770<span></span></td>
        <td class="nump">5,655<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities', window );">Purchase of securities available-for-sale</a></td>
        <td class="num">(61,768)<span></span></td>
        <td class="num">(49,944)<span></span></td>
        <td class="num">(51,160)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromLoansAndLeases', window );">Net decrease (increase) in loans</a></td>
        <td class="nump">35,981<span></span></td>
        <td class="num">(67,169)<span></span></td>
        <td class="num">(50,198)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cass_IncreaseDecreaseInPaymentsInExcessOfFunding', window );">Increase in payments in excess of funding</a></td>
        <td class="num">(27,769)<span></span></td>
        <td class="num">(10,972)<span></span></td>
        <td class="num">(772)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment', window );">Purchases of premises and equipment, net</a></td>
        <td class="num">(1,925)<span></span></td>
        <td class="num">(1,190)<span></span></td>
        <td class="num">(1,077)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash used in investing activities</a></td>
        <td class="num">(31,041)<span></span></td>
        <td class="num">(124,505)<span></span></td>
        <td class="num">(75,646)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>Cash Flows From Financing Activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cass_IncreaseDecreaseInNonInterestBearingDemandDeposits', window );">Net increase (decrease) in noninterest-bearing demand deposits</a></td>
        <td class="nump">18,859<span></span></td>
        <td class="num">(54)<span></span></td>
        <td class="nump">9,851<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cass_IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits', window );">Net increase in interest-bearing demand and savings deposits</a></td>
        <td class="nump">36,956<span></span></td>
        <td class="nump">39,392<span></span></td>
        <td class="nump">104,390<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInTimeDeposits', window );">Net (decrease) increase in time deposits</a></td>
        <td class="num">(26,037)<span></span></td>
        <td class="nump">41,376<span></span></td>
        <td class="nump">46,094<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cass_IncreaseDecreaseInAccountsAndDraftsPayable', window );">Net increase (decrease) in accounts and drafts payable</a></td>
        <td class="nump">79,094<span></span></td>
        <td class="nump">85,856<span></span></td>
        <td class="num">(48,774)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividendsCommonStock', window );">Cash dividends paid</a></td>
        <td class="num">(6,279)<span></span></td>
        <td class="num">(5,448)<span></span></td>
        <td class="num">(4,925)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForRepurchaseOfCommonStock', window );">Purchase of common shares of treasury</a></td>
        <td class="nump">0<span></span></td>
        <td class="num">(467)<span></span></td>
        <td class="nump">0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities', window );">Other financing activities, net</a></td>
        <td class="num">(161)<span></span></td>
        <td class="num">(291)<span></span></td>
        <td class="num">(260)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by financing activities</a></td>
        <td class="nump">102,432<span></span></td>
        <td class="nump">160,364<span></span></td>
        <td class="nump">106,376<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Net increase in cash and cash equivalents</a></td>
        <td class="nump">97,033<span></span></td>
        <td class="nump">59,635<span></span></td>
        <td class="nump">49,809<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at beginning of year</a></td>
        <td class="nump">138,929<span></span></td>
        <td class="nump">79,294<span></span></td>
        <td class="nump">29,485<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at end of year</a></td>
        <td class="nump">235,962<span></span></td>
        <td class="nump">138,929<span></span></td>
        <td class="nump">79,294<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SupplementalCashFlowInformationAbstract', window );"><strong>Supplemental information:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestPaidNet', window );">Cash paid for interest</a></td>
        <td class="nump">4,424<span></span></td>
        <td class="nump">4,893<span></span></td>
        <td class="nump">5,128<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxesPaidNet', window );">Cash paid for income taxes</a></td>
        <td class="nump">$ 6,287<span></span></td>
        <td class="nump">$ 7,934<span></span></td>
        <td class="nump">$ 5,677<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cass_IncreaseDecreaseInAccountsAndDraftsPayable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net change during the reporting period in the carrying amount of accounts and drafts payable.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cass_IncreaseDecreaseInAccountsAndDraftsPayable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cass_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cass_IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net change during the reporting period in interest-bearing demand and savings deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cass_IncreaseDecreaseInInterestBearingDemandAndSavingsDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cass_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cass_IncreaseDecreaseInNonInterestBearingDemandDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net change during the reporting period in noninterest-bearing demand deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cass_IncreaseDecreaseInNonInterestBearingDemandDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cass_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cass_IncreaseDecreaseInPaymentsInExcessOfFunding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net change during the reporting period in the carrying amount of payments in excess of funding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>cass_IncreaseDecreaseInPaymentsInExcessOfFunding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>cass_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of adjustments which are added to or deducted from net income or loss, including the portion attributable to noncontrolling interest, to reflect cash provided by or used in operating activities, in accordance with the indirect cash flow method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Includes currency on hand as well as demand deposits with banks or financial institutions. It also includes other kinds of accounts that have the general characteristics of demand deposits in that the Entity may deposit additional funds at any time and also effectively may withdraw funds at any time without prior notice or penalty. Cash equivalents, excluding items classified as marketable securities, include short-term, highly liquid investments that are both readily convertible to known amounts of cash, and so near their maturity that they present minimal risk of changes in value because of changes in interest rates. Generally, only investments with original maturities of three months or less qualify under that definition. Original maturity means original maturity to the entity holding the investment. For example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three years ago does not become a cash equivalent when its remaining maturity is three months. Compensating balance arrangements that do not legally restrict the withdrawal or usage of cash amounts may be reported as Cash and Cash Equivalents, while legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or company statements of intention with regard to particular deposits are not generally reported as cash and cash equivalents. Includes cash and cash equivalents associated with the entity's continuing operations. Excludes cash and cash equivalents associated with the disposal group (and discontinued operation).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7<br><br> -Footnote 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3044-108585<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 8, 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6361293&amp;loc=d3e6676-107765<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7, 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsAtCarryingValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in cash and cash equivalents. While for technical reasons this element has no balance attribute, the default assumption is a debit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DeferredIncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The component of income tax expense for the period representing the increase (decrease) in the entity's deferred tax assets and liabilities pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Deferred Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510177<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section I<br><br> -Subsection 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 45<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 289<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 6.I.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6889476&amp;loc=d3e330036-122817<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredIncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepreciationAmortizationAndAccretionNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate net amount of depreciation, amortization, and accretion recognized during an accounting period. As a noncash item, the net amount is added back to net income when calculating cash provided by or used in operations using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepreciationAmortizationAndAccretionNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalDepositInsuranceCorporationPremiumExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The premium paid to the Federal Deposit Insurance Corporation for deposit insurance which is included in noninterest expense.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalDepositInsuranceCorporationPremiumExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossOnSaleOfSecuritiesNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net gain (loss) realized from the sale, exchange, redemption, or retirement of securities, not separately or otherwise categorized as trading, available-for-sale, or held-to-maturity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Subparagraph h<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 3<br><br> -Article 7<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.13(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossOnSaleOfSecuritiesNet</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxesPaidNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income, net of any cash received during the current period as refunds for the overpayment of taxes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 29<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 27<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4297-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxesPaidNet</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the period in the amount due for taxes based on the reporting entity's earnings or attributable to the entity's income earning process (business presence) within a given jurisdiction.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInAccruedIncomeTaxesPayable</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInPensionPlanObligations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in the amount due to fund retirement benefits to employees, retired and disabled former employees.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInPensionPlanObligations</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td>duration</td>
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              </div>
            </div>
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        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net cash inflow (outflow) of time deposits.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 13<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6477933&amp;loc=d3e60009-112784<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInTimeDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td>duration</td>
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            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestPaidNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of cash paid for interest during the period net of cash paid for interest that is capitalized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 29<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 27<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4297-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestPaidNet</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow from financing activity for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInFinancingActivities</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow from investing activity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivities</nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract</nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash from (used in) all of the entity's operating activities, including those of discontinued operations, of the reporting entity. Operating activities generally involve producing and delivering goods and providing services. Operating activity cash flows include transactions, adjustments, and changes in value that are not defined as investing or financing activities. While for technical reasons this element has no balance attribute, the default assumption is a debit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3536-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInOperatingActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e565-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A7<br><br> -Appendix A<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 10, 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 87-21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 19<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28, 29, 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForProceedsFromLoansAndLeases">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash outflow or inflow for the increase (decrease) in the beginning and end of period of loan and lease balances which are not originated or purchased specifically for resale. Includes cash payments and proceeds associated with (a) loans held-for-investment, (b) leases held-for-investment, and (c) both.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15, 16, 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForProceedsFromLoansAndLeases</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForRepurchaseOfCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to reacquire common stock during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForRepurchaseOfCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividendsCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow from the distribution of an entity's earnings in the form of dividends to common shareholders.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsOfDividendsCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to acquire debt and equity securities not classified as either held-to-maturity securities or trading securities which would be classified as available-for-sale securities and reported at fair value, with unrealized gains and losses excluded from earnings and reported in a separate component of shareholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquirePropertyPlantAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with maturities (principal being due), prepayments and calls (requests of early payments) on securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Subsection III<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow from other financing activities. This element is used when there is not a more specific and appropriate element in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3095-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18, 19, 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3098-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromPaymentsForOtherFinancingActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the sale of debt and equity securities classified as available-for-sale securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 16<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromSaleOfAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanLossesExpensed">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Allowance expensed for the period based on estimated losses to be realized from loan transactions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 11<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 5<br><br> -Paragraph 17<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForLoanLossesExpensed</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
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                    <td><nobr>us-gaap_SupplementalCashFlowInformationAbstract</nobr></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>43
<FILENAME>R10.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Investment in Securities<br></strong></div>
        </th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Dec. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cass_InvestmentInSecuritiesAbstract', window );"><strong>Investment In Securities [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cass_InvestmentInSecuritiesTextBlock', window );">Investment In Securities [Text Block]</a></td>
        <td class="text"><p align="justify"><b><font style="font-family:times new roman" size="2">Note 3<br /></font></b><b><font style="font-family:times new roman" size="2">Investment in Securities</font></b></p>
<p align="justify"><font style="font-family:times new roman" size="2">Investment securities available-for-sale are recorded at fair value on a recurring basis. The Company&#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 &#8220;observable inputs&#8221; rather than &#8220;significant unobservable inputs&#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: </font></p>
<table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="79%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="19%" colspan="11"><b><font style="font-family:times new roman" size="2">December 31, 2011</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="79%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Gross</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"><b><font style="font-family:times new roman" size="2">Gross</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="79%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Amortized</font></b></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Unrealized</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"><b><font style="font-family:times new roman" size="2">Unrealized</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="79%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Cost</font></b></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Gains</font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="3%"><b><font style="font-family:times new roman" size="2">Losses</font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Fair Value</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="79%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">State and political subdivisions</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">287,585</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">19,797</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">20</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">307,362</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="79%"><font style="font-family:times new roman" size="2">Certificates of deposit</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">3,250</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font
 style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">3,250</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="79%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">290,835</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">19,797</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">20</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">310,612</font></td>
</tr>
<tr>
<td width="99%" colspan="13">&#160;&#160;</td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="79%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="19%" colspan="11"><b><font style="font-family:times new roman" size="2">December 31, 2010</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="79%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Gross</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Gross</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="79%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Amortized</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Unrealized</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Unrealized</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="3%"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="79%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Cost</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Gains</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2">&#160; <b><font style="font-family:times new roman" size="2">Losses</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Fair Value</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="79%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">State and political subdivisions</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font
 style="font-family:times new roman" size="2">255,929</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">9,829</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,189</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">264,569</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="79%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">255,929</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">9,829</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,189</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">264,569</font></td>
</tr>
</table>
<div>&#160;</div>
<div style="page-break-before: always;"><font style="font-family:times new roman" size="2">The fair values of securities with unrealized losses are as follows: </font></div>
<table style="width: 100%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="29%" colspan="17"><b><font style="font-family:times new roman" size="2">December 31, 2011</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"><b><font style="font-family:times new roman" size="2">Less than 12 months</font></b></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"><b><font style="font-family:times new roman" size="2">12 months or more</font></b></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"><b><font style="font-family:times new roman" size="2">Total</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Estimated</font></b></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Unrealized</font></b></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Estimated</font></b></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Unrealized</font></b></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Estimated</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Unrealized</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="70%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Fair Value</font></b></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="center" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="4%"
 colspan="2"><b><font style="font-family:times new roman" size="2">Losses</font></b></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Fair Value</font></b></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Losses</font></b></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Fair value</font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Losses</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">State and political subdivisions</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">4,362</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">20</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">4,362</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">20</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="70%"><font style="font-family:times new roman" size="2">Certificates of deposit</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="70%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">4,362</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">20</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new
 roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">4,362</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">20</font></td>
</tr>
<tr>
<td width="100%" colspan="19">&#160;&#160;&#160;&#160;</td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="29%" colspan="17"><b><font style="font-family:times new roman" size="2">December 31, 2010</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"><b><font style="font-family:times new roman" size="2">Less than 12 months</font></b></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"><b><font style="font-family:times new roman" size="2">12 months or more</font></b></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"><b><font style="font-family:times new roman" size="2">Total</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="70%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Estimated</font></b></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Unrealized</font></b></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Estimated</font></b></td>
<td align="right" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Unrealized</font></b></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Estimated</font></b></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Unrealized</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="70%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%">&#160;</td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Fair Value</font></b></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Losses</font></b></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Fair Value</font></b></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Losses</font></b></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Fair value</font></b></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Losses</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="70%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">State and political subdivisions</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">53,741</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"
 bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,189</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">53,741</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,189</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="70%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">53,741</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,189</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">53,741</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,189</font></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">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. </font></p>
<p align="justify"><font style="font-family:times new roman" size="2">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. </font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="9%" colspan="5"><b><font style="font-family:times new roman" size="2">December 31, 2011</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Amortized Cost</font></b></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;"
 nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">Fair Value</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="90%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Due in 1 year or less</font></td>
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<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
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<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
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<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
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<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">114,454</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">124,680</font></td>
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<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">118,983</font></td>
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<td align="left" nowrap="nowrap" width="1%">&#160;</td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">125,289</font></td>
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<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0">&#160;</td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#8212;</font></td>
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<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="90%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">290,835</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">310,612</font></td>
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<p align="justify"><font style="font-family:times new roman" size="2">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. </font></p>
<p align="justify"><font style="font-family:times new roman" size="2">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. </font></p><span></span></td>
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        <td class="text"><p align="justify"><b><font style="font-family:times new roman" size="2">Note 13<br />Income Taxes</font></b></p>
<p align="justify"><font style="font-family:times new roman" size="2">The components of income tax expense (benefit) are as follows: </font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="84%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="15%" colspan="9"><b><font style="font-family:times new roman" size="2">For the Years Ended December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="84%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="4%" colspan="2"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">2009</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Current:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Federal</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">5,372</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">5,435</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">5,458</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;State</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">980</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">920</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">597</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%"><font style="font-family:times new roman" size="2">Deferred:</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Federal</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,983</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,178</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(602</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="84%"><font style="font-family:times new roman"
 size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;State</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">162</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">90</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(48</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="84%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Total income tax expense</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">8,497</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">7,623</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5,405</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
</table>
<div>&#160;</div>
<div style="page-break-before: always;"><font style="font-family:times new roman" size="2">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: </font></div>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="17%" colspan="11"><b><font style="font-family:times new roman" size="2">For the Years Ended December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">2009</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Expected income tax expense</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">11,027</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">9,777</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">7,322</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">(Reductions) increases resulting from:</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap"
 width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="3%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Tax-exempt income</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(3,760</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(3,273</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(2,798</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;State taxes, net of federal benefit</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">742</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">657</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">694</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Other, net</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">488</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">462</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">187</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">Total income tax expense</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">8,497</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">7,623</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">5,405</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
</tr>
</table>
<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">The tax effects of temporary differences which give rise to significant portions of the deferred tax assets and deferred tax liabilities are presented below:</font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="92%"></td>
<td style="text-align: center;" nowrap="nowrap" width="1%"></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="7%" colspan="7"><b><font style="font-family:times new roman" size="2">December 31,</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="92%"><i><font style="font-family:times new roman" size="2">(In
 thousands)</font></i></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="3"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="3%" colspan="3"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Deferred tax assets:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="92%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Allowance for loan losses</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">4,912</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">4,419</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;ASC 715 pension funding liability</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">9,679</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">5,452</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="92%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Net operating loss carryforward<sup>1</sup></font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">384</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">421</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Stock compensation</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">834</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">731</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="92%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Supplemental executive retirement plan accrual</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">634</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">474</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Other</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">454</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">288</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="92%"><font style="font-family:times new roman"
 size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total deferred tax assets</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">16,897</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">11,785</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Deferred tax liabilities:</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="92%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Premises and equipment</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">(440</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">(352</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Pension</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(7,327</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(4,499</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="92%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Intangible/assets</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">(752</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">(652</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Unrealized gain on investment in securities available-for-sale</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(6,922</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(3,024</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="92%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Other</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">(315</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">(300</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="92%" bgcolor="#c0c0c0"><font style="font-family:times new roman"
 size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;Total deferred tax liabilities</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(15,756</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(8,827</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="92%"><font style="font-family:times new roman" size="2">Net deferred tax assets</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">1,141</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">2,958</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
</tr>
</table>
<table style="text-align: justify;" cellspacing="0" cellpadding="0" border="0">
<tr>
<td valign="top" nowrap="nowrap"></td>
<td valign="top" nowrap="nowrap">&#160;&#160;&#160;&#160;&#160;</td>
<td width="100%"></td>
</tr>
<tr>
<td valign="top" nowrap="nowrap"><font style="font-family:times new roman" size="2"><sup>1</sup></font></td>
<td valign="top" nowrap="nowrap"><font style="font-family:times new roman" size="2">&#160;</font></td>
<td style="border-top: #ffffff 2pt solid;" width="100%"><font style="font-family:times new roman" size="2">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&#8217;s use to approximately $122,000 per year during the carry forward period, which expires in 2020.</font></td>
</tr>
</table>
<p align="justify"><font style="font-family:times new roman" size="2">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&#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. </font></p>
<p align="justify"><font style="font-family:times new roman" size="2">The reconciliation of the beginning unrecognized tax benefits balance to the ending balance is presented in the following table:</font></p>
<table style="width: 80%; line-height: 14pt; border-collapse: collapse;" cellspacing="0" cellpadding="0" border="0">
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%"><i><font style="font-family:times new roman" size="2">(In thousands)</font></i></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">2011</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">2010</font></b></td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="1%">&#160;&#160;&#160;&#160;&#160;</td>
<td style="border-bottom: #000000 1.5pt solid; text-align: center;" nowrap="nowrap" width="5%" colspan="3"><b><font style="font-family:times new roman" size="2">2009</font></b></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">Balance at January 1</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,877</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,750</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">$&#160;&#160;&#160;&#160;&#160;</font></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">1,399</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr
 valign="bottom">
<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Changes in unrecognized tax benefits as a result of tax<br />&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;positions taken during a prior year</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">287</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">560</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">119</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Changes in unrecognized tax benefits as a result of tax<br />&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;position taken during the current year</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">475</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">555</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">387</font></td>
<td align="left" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
</tr>
<tr valign="bottom">
<td align="left" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Decreases in unrecognized tax benefits relating to<br />&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;settlements with taxing authorities</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">(466</font></td>
<td align="left" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="left" nowrap="nowrap" width="1%"></td>
<td align="right" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">&#8212;</font></td>
<td align="left" nowrap="nowrap" width="1%"></td>
</tr>
<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="82%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">&#160;&#160;&#160;&#160;&#160;&#160;&#160;Reductions to unrecognized tax benefits as a result of a<br />&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;lapse of the applicable statute of limitations</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(570</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(522</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"></td>
<td align="right" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="3%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">(155</font></td>
<td align="left" style="border-bottom: #000000 1pt solid;" nowrap="nowrap" width="1%" bgcolor="#c0c0c0"><font style="font-family:times new roman" size="2">)</font></td>
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<tr valign="bottom">
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="82%"><font style="font-family:times new roman" size="2">Balance at December 31</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">2,069</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,877</font></td>
<td align="left" style="border-bottom: #000000
 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"><font style="font-family:times new roman" size="2">$</font></td>
<td align="right" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="3%"><font style="font-family:times new roman" size="2">1,750</font></td>
<td align="left" style="border-bottom: #000000 1.5pt solid;" nowrap="nowrap" width="1%"></td>
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<div>&#160;</div>
<p align="justify"><font style="font-family:times new roman" size="2">At December 31, 2011, 2010 and 2009, the balance of the Company&#8217;s unrecognized tax benefits which would, if recognized, affect the Company&#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.</font></p>
<div style="page-break-before: always;"><font style="font-family:times new roman" size="2">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&#8217;s policy is to record interest and penalties related to unrecognized tax benefits as a component of income tax expense.</font></div>
<p align="justify"><font style="font-family:times new roman" size="2">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. </font></p>
<p align="justify"><font style="font-family:times new roman" size="2">The Company is subject to income tax in the U. S. federal jurisdiction, numerous state jurisdictions, and a foreign jurisdiction. The Company&#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.</font></p><span></span></td>
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                <p>The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.</p>
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