<SEC-DOCUMENT>0000905729-15-000241.txt : 20150724
<SEC-HEADER>0000905729-15-000241.hdr.sgml : 20150724
<ACCEPTANCE-DATETIME>20150724163142
ACCESSION NUMBER:		0000905729-15-000241
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20150724
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20150724
DATE AS OF CHANGE:		20150724

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CHOICEONE FINANCIAL SERVICES INC
		CENTRAL INDEX KEY:			0000803164
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				382659066
		STATE OF INCORPORATION:			MI
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-19202
		FILM NUMBER:		151004939

	BUSINESS ADDRESS:	
		STREET 1:		109 E DIVISION
		STREET 2:		P O BOX 186
		CITY:			SPARTA
		STATE:			MI
		ZIP:			49345-0186
		BUSINESS PHONE:		6168877366

	MAIL ADDRESS:	
		STREET 1:		109 EAST DIVISION
		STREET 2:		P O BOX 186
		CITY:			SPARTA
		STATE:			MI
		ZIP:			49345-0186

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	1ST COMMUNITY BANCORP INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>choice8k_072415.htm
<DESCRIPTION>CHOICEONE FORM 8-K
<TEXT>
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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0">&nbsp;</P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0 0 8pt; text-align: center"><FONT STYLE="font-size: 14pt"><B>UNITED STATES</B></FONT><BR>
<FONT STYLE="font-size: 14pt"><B>SECURITIES AND EXCHANGE COMMISSION</B></FONT><BR>
<B>Washington, D.C. 20549</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0 8pt; text-align: center"><B>FORM 8-K</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0 8pt; text-align: center"><B>CURRENT REPORT</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0 8pt; text-align: center">Pursuant to Section 13 or 15(d) of the<BR>
Securities Exchange Act of 1934</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0 8pt; text-align: center">Date of Report (Date of earliest event reported):
<B>July 24, 2015</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0 8pt; text-align: center"><B>ChoiceOne Financial Services, Inc.</B><BR>
(Exact Name of Registrant as<BR>
Specified in its Charter)</P>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <TD STYLE="width: 6%; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</td>
    <TD STYLE="width: 33%; padding-top: 5pt; padding-bottom: 5pt; text-align: center; layout-grid-mode: line"><b>Michigan</b><br>
(State or Other Jurisdiction<br>
of Incorporation)</td>
    <TD STYLE="width: 23%; padding-top: 5pt; padding-bottom: 5pt; text-align: center; layout-grid-mode: line"><b>000-19202</b><br>
(Commission<br>
File Number)</td>
    <TD STYLE="width: 33%; padding-top: 5pt; padding-bottom: 5pt; text-align: center; layout-grid-mode: line"><b>38-2659066</b><br>
(IRS Employer<br>
Identification No.)</td>
    <TD STYLE="width: 5%; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</td></tr>
</table>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

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<tr style="vertical-align: top">
    <td style="width: 49%; text-align: center; layout-grid-mode: line"><b>109 E. Division Street</b><br>
<b>Sparta, Michigan</b><br>
(Address of Principal Executive Offices)</td>
    <td style="width: 17%; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</td>
    <td style="width: 29%; padding-top: 5pt; padding-bottom: 5pt; text-align: center; layout-grid-mode: line"><br>
<b>49345</b><br>
(Zip Code)</td>
    <td style="width: 5%; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</td></tr>
</table>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center">Registrant's telephone number, including
area code: <B>(616) 887-7366</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0">Check the appropriate box below if the Form 8-K filing is intended
to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction
A.2. below):</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0"><FONT STYLE="font-family: Wingdings">o</FONT> Written communications
pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0"><FONT STYLE="font-family: Wingdings">o</FONT> Soliciting material
pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0"><FONT STYLE="font-family: Wingdings">o</FONT> Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0"><FONT STYLE="font-family: Wingdings">o</FONT> Pre-commencement
communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0"></P>

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<table cellspacing="0" cellpadding="0" style="font: 12pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="text-align: justify; layout-grid-mode: line"><b>Item 2.02</b></td>
    <td colspan="3" style="text-align: justify; layout-grid-mode: line"><b>Results of Operations and Financial Condition.</b></td></tr>
<tr style="vertical-align: top">
    <td style="text-align: justify; layout-grid-mode: line">&nbsp;</td>
    <td colspan="3" style="text-align: justify; layout-grid-mode: line">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td style="text-align: justify; layout-grid-mode: line">&nbsp;</td>
    <td colspan="3" style="text-align: justify; layout-grid-mode: line">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;On July 24, 2015, ChoiceOne Financial Services, Inc. (the &ldquo;Company&rdquo;) issued the press release attached as Exhibit 99.1 to this Form 8-K, which is here incorporated by reference. This Report and the Exhibit are furnished to, and not filed with, the Commission.</td></tr>
<tr style="vertical-align: top">
    <td style="text-align: justify; layout-grid-mode: line">&nbsp;</td>
    <td colspan="3" style="text-align: justify; layout-grid-mode: line">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td style="text-align: justify; layout-grid-mode: line">&nbsp;</td>
    <td colspan="3" style="text-align: justify; layout-grid-mode: line">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td style="text-align: justify; layout-grid-mode: line"><b>Item 9.01</b></td>
    <td colspan="3" style="text-align: justify; layout-grid-mode: line"><b>Financial Statements and Exhibits.</b></td></tr>
<tr style="vertical-align: top">
    <td style="text-align: justify; layout-grid-mode: line">&nbsp;</td>
    <td colspan="3" style="text-align: justify; layout-grid-mode: line">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td style="text-align: justify; layout-grid-mode: line">&nbsp;</td>
    <td style="text-align: justify; layout-grid-mode: line">(d)</td>
    <td colspan="2" style="text-align: justify; layout-grid-mode: line">Exhibits:</td></tr>
<tr style="vertical-align: top">
    <td style="text-align: justify; layout-grid-mode: line">&nbsp;</td>
    <td style="text-align: justify; layout-grid-mode: line">&nbsp;</td>
    <td colspan="2" style="text-align: justify; layout-grid-mode: line">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td style="width: 13%; text-align: justify; layout-grid-mode: line">&nbsp;</td>
    <td style="width: 9%; text-align: justify; layout-grid-mode: line">&nbsp;</td>
    <td style="width: 7%; text-align: justify; layout-grid-mode: line">99.1</td>
    <td style="width: 71%; text-align: justify; layout-grid-mode: line">Press Release dated July 24, 2015.&nbsp;&nbsp;This Exhibit is furnished to, and not filed with, the Commission.</td></tr>
</table>
<P STYLE="font: 12pt/12pt Times New Roman, Times, Serif; margin: 5pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"></P>

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<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><B>SIGNATURES</B></P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: justify; text-indent: 1in">Pursuant to the requirements
of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned
hereunto duly authorized.</P>

<table cellspacing="0" cellpadding="0" style="width: 100%; font: 12pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">Dated:</td>
    <td style="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">July 24, 2015</td>
    <td colspan="2" style="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">CHOICEONE FINANCIAL SERVICES, INC.<br>
(Registrant)</td></tr>
<tr style="vertical-align: top">
    <td style="width: 7%; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</td>
    <td style="width: 45%; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</td>
    <td style="width: 5%; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</td>
    <td style="width: 43%; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td style="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</td>
    <td style="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</td>
    <td style="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</td>
    <td style="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td style="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</td>
    <td style="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</td>
    <td style="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">By:</td>
    <td style="border-bottom: Black 1pt solid; padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">/s/ Thomas Lampen</td></tr>
<tr style="vertical-align: top">
    <td style="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</td>
    <td style="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</td>
    <td style="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">&nbsp;</td>
    <td style="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">Thomas Lampen<br>
Its Treasurer</td></tr>
</table>
<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0">&nbsp;</P>

<P STYLE="font: 12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 12pt/12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 12pt/94% Times New Roman, Times, Serif; margin: 5pt 0; text-align: justify"><FONT STYLE="letter-spacing: -0.1pt">&nbsp;</FONT></P>

<P STYLE="font: 8pt Times New Roman, Times, Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 12pt/12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><U></U></P>

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<P STYLE="font: 12pt/12pt Times New Roman, Times, Serif; margin: 5pt 0; text-align: center"><U>EXHIBIT</U> <U>INDEX</U></P>

<P STYLE="font: 12pt/12pt Times New Roman, Times, Serif; margin: 5pt 0">&nbsp;</P>

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<tr style="vertical-align: top">
    <td style="width: 19%; padding: 5pt -5.4pt 5pt 5.4pt; text-decoration: underline; text-align: center; layout-grid-mode: line"><u>Exhibit Number</u></td>
    <td style="width: 5%; padding: 5pt 5.4pt; layout-grid-mode: line">&nbsp;</td>
    <td style="width: 76%; padding: 5pt 5.4pt; text-decoration: underline; text-align: center; layout-grid-mode: line"><u>Document</u></td></tr>
<tr style="vertical-align: top">
    <td style="padding: 5pt 5.4pt; layout-grid-mode: line">&nbsp;</td>
    <td style="padding: 5pt 5.4pt; layout-grid-mode: line">&nbsp;</td>
    <td style="padding: 5pt 5.4pt; layout-grid-mode: line">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td style="padding: 5pt 5.4pt; text-align: center; layout-grid-mode: line">99.1</td>
    <td style="padding: 5pt 5.4pt; layout-grid-mode: line">&nbsp;</td>
    <td style="padding-top: 5pt; padding-bottom: 5pt; layout-grid-mode: line">ChoiceOne Financial Services, Inc. Press Release dated July 24, 2015.&nbsp;&nbsp;This Exhibit is furnished to, and not filed with, the Commission.</td></tr>
</table>
<P STYLE="font: 12pt/12pt Times New Roman, Times, Serif; margin: 5pt 0">&nbsp;</P>



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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>choiceex991_072415.htm
<DESCRIPTION>CHOICEONE EXHIBIT 99.1 TO FORM 8-KI
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<P STYLE="font: 9pt Sans-Serif; margin-top: 0; margin-bottom: 0; color: Red; text-align: center"><FONT STYLE="font: 11pt Arial, Helvetica, Sans-Serif; color: Black"><B>EXHIBIT
99.1</B></FONT></P>

<P STYLE="font: 9pt Sans-Serif; margin: 0; color: Red">&nbsp;</P>

<P STYLE="font: 9pt Sans-Serif; margin: 0; color: Red"><IMG SRC="choice.jpg" ALT="" STYLE="width: 234px; height: 79px">&nbsp;</P>

<P STYLE="font: 9pt Sans-Serif; margin: 0; color: Red">&nbsp;</P>

<P STYLE="font: 9pt Sans-Serif; margin: 0; color: Red"></P>

<P STYLE="font: 16pt Arial, Helvetica, Sans-Serif; margin: 0"><B>News Release</B></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<table cellspacing="0" cellpadding="0" style="width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <td style="width: 15%; font: 10pt Courier New, Courier, Monospace"><font style="font: small-caps 10pt Arial, Helvetica, Sans-Serif"><b>Contact:</b></font></td>
    <td style="width: 85%; font: 10pt Courier New, Courier, Monospace"><FONT STYLE="font: small-caps 10pt Arial, Helvetica, Sans-Serif">Tom
    Lampen, ChoiceOne Bank</FONT><FONT STYLE="font-family: Arial, Helvetica, Sans-Serif"><br>
    <FONT STYLE="font-size: 10pt; font-variant: small-caps">(616) 887-2337</FONT><br>
    <FONT STYLE="font-size: 10pt; font-variant: small-caps">tlampen@choiceone.com</FONT></FONT></td></tr>
</table>
<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: bold 12pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="font-variant: small-caps">ChoiceOne Financial Announces
Record Earnings, New President, Bank Progress</FONT></P>

<P STYLE="font: 12pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>Sparta, Michigan &ndash; July 24, 2015</B>
&ndash; ChoiceOne Financial Services, Inc. (OTCQX:COFS), the parent company for ChoiceOne Bank, reported net income of $1,431,000
for the second quarter of 2015 compared to $1,337,000 in the same period in 2014. Earnings per share were $0.43 in the second quarter
of 2015 compared to $0.40 in the second quarter of the prior year. Net income for the first six months of 2015 was $3,073,000 or
$0.93 per share, compared to $2,585,000 or $0.78 per share in the first half of 2014.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">As previously announced, Kelly Potes has been
appointed to President and member of the Board of Directors of ChoiceOne Financial Services, Inc. and ChoiceOne Bank. Kelly has
been an integral part of the bank since 1984. James Bosserd will continue in the role of Chief Executive Officer of both organizations.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&ldquo;I am extremely pleased to report continued
record earnings for ChoiceOne and the appointment of Kelly Potes as our new President,&rdquo; said Bosserd, &ldquo;It&rsquo;s an
exciting time for ChoiceOne as we look forward to continued growth and positive changes in our company.&rdquo;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Bosserd stated, &ldquo;Noninterest income has
increased substantially year over year from $3,068,000 for the first six months of 2014 to $4,145,000 in the first six months of
2015, a 35% increase. We have higher income from debit card usage/account services, investment and insurance commissions, and gain
on sale of loans. The efforts our employees have made to provide excellent service and products to our customers are showing with
this increased income to the bank. In addition, our credit quality has continued to improve as both net charge-offs and nonperforming
loans were lower in 2015 than in the prior year.&rdquo;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><FONT STYLE="color: windowtext">Data processing
included $144,000 in the first six months of 2015 of expenses related to upgrades in ChoiceOne&rsquo;s core data processing and
online banking systems scheduled for later in 2015. These new systems </FONT>will offer customers more services, increased security,
and enhanced technology to make their banking experience safe and convenient.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="color: red; font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><FONT STYLE="color: windowtext">ChoiceOne
Financial Services, Inc. is </FONT><FONT STYLE="color: black">preparing to change transfer agents to Continental Stock Transfer
&amp; Trust Company later this August. Continental provides excellent customer service and online shareholder management tools.
More information will be sent regarding shareholder accounts in August</FONT><FONT STYLE="color: windowtext">. </FONT></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><U>About ChoiceOne</U></B></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">ChoiceOne Financial Services, Inc. is a financial
holding company headquartered in Sparta, Michigan and the parent corporation of ChoiceOne Bank, Member FDIC. ChoiceOne Bank operates
12 full service offices in parts of Kent, Ottawa, Muskegon, and Newaygo Counties. ChoiceOne Bank offers insurance and investment
products through its subsidiary, ChoiceOne Insurance Agencies, Inc. ChoiceOne Financial Services, Inc. common stock is quoted on
the OTCQX under the symbol &ldquo;COFS.&rdquo; For more information, please visit Investor Relations at ChoiceOne&rsquo;s website
at www.choiceone.com.</P>

<P STYLE="font: 11pt/normal Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"></P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 11pt/normal Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><U></U></B></P>

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<P STYLE="font: 11pt/normal Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B><U>Forward-Looking Statements</U></B><BR>
This press release contains forward-looking statements. Words such as &ldquo;anticipates,&rdquo; &ldquo;believes,&rdquo; &ldquo;estimates,&rdquo;
&ldquo;expects,&rdquo; &ldquo;forecasts,&rdquo; &ldquo;intends,&rdquo; &ldquo;is likely,&rdquo; &ldquo;plans,&rdquo; &ldquo;predicts,&rdquo;
&ldquo;projects,&rdquo; &ldquo;may,&rdquo; &ldquo;could,&rdquo; &ldquo;look forward,&rdquo; &ldquo;continue&rdquo; and variations
of such words and similar expressions are intended to identify such forward-looking statements. Management&rsquo;s determination
of the provision and allowance for loan losses, the carrying value of goodwill and loan servicing rights, and the fair value of
investment securities (including whether any impairment on any investment security is temporary or other than temporary and the
amount of any impairment) and management&rsquo;s assumptions concerning pension and other postretirement benefit plans involve
judgments that are inherently forward-looking. These statements reflect management&rsquo;s current beliefs as to the expected outcomes
of future events and are not guarantees of future performance. These statements involve certain risks, uncertainties and assumptions
(&ldquo;risk factors&rdquo;) that are difficult to predict with regard to timing, extent, likelihood and degree of occurrence.
Therefore, actual results and outcomes may materially differ from what may be expressed, implied or forecasted in such forward-looking
statements. Furthermore, ChoiceOne undertakes no obligation to update, amend, or clarify forward-looking statements, whether as
a result of new information, future events, or otherwise.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">Risk factors include, but are not limited to,
the risk factors described in Item 1A in ChoiceOne Financial Services, Inc.&rsquo;s Annual Report on Form 10-K for the year ended
December 31, 2014. These and other factors are representative of the risk factors that could cause a difference between an ultimate
actual outcome and a preceding forward-looking statement.</P>

<P STYLE="font: 11pt/normal Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"># # #</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify">&nbsp;</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: justify"><B>EDITORS NOTE</B>: Media interviews with ChoiceOne
Bank executives are available by calling Tom Lampen at (616)887-2337 or tlampen@choiceone.com. Electronic versions of bank official
headshots are also available.</P>

<P STYLE="font: 11pt Arial, Helvetica, Sans-Serif; margin: 0">&nbsp;</P>

<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B></B></P>

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<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Condensed Balance Sheets<BR>
(Unaudited)</B></P>

<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0"><FONT STYLE="background-color: yellow"></FONT></P>

<table cellspacing="0" cellpadding="0" style="font: 8.5pt Courier New, Courier, Monospace; width: 100%; border-collapse: collapse">
<tr style="vertical-align: top">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">(In Thousands)</font></td>
    <td colspan="2" style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif"><b>6/30/2015</b></font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td colspan="2" style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif"><b>3/31/2015</b></font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td colspan="2" style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif"><b>12/31/2014</b></font></td>
    <td style="border-bottom: Black 1pt solid; text-align: right">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif"><b>6/30/2014</b></font></td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td style="width: 50%"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Cash and Cash Equivalents</font></td>
    <td style="width: 1%; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <TD STYLE="width: 9%; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">15,391</font></td>
    <td style="width: 3%">&nbsp;</td>
    <td style="width: 1%; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="width: 9%; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">9,748</font></td>
    <td style="width: 3%">&nbsp;</td>
    <td style="width: 1%; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="width: 9%; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">16,650</font></td>
    <td style="width: 3%; text-align: right">&nbsp;</td>
    <td style="width: 1%; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="width: 10%; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">20,741</font></td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Securities</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">153,860</font></td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">153,793</font></td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">145,706</font></td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">143,104</font></td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Loans Held For Sale</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">2,833</font></td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">2,061</font></td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">2,170</font></td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">1,323</font></td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Loans, Net of Allowance For Loan Losses</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">331,587</font></td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">333,973</font></td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">341,940</font></td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">325,038</font></td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Premises and Equipment</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">11,811</font></td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">11,698</font></td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">11,795</font></td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">11,917</font></td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Cash Surrender Value of Life Insurance Policies</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">12,084</font></td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">11,997</font></td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">12,071</font></td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">10,412</font></td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Goodwill and Other Intangible Assets</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">14,280</font></td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">14,383</font></td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">14,555</font></td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">14,696</font></td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Other Assets</font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">5,138</font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">5,282</font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">4,753</font></td>
    <td style="border-bottom: Black 1pt solid; text-align: right">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">4,691</font></td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total Assets</font></td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">546,984</font></td>
    <td style="border-bottom: Black 1.5pt double">&nbsp;</td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">542,935</font></td>
    <td style="border-bottom: Black 1.5pt double">&nbsp;</td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">549,640</font></td>
    <td style="border-bottom: Black 1.5pt double; text-align: right">&nbsp;</td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">531,922</font></td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Noninterest-bearing Deposits</font></td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">114,604</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">110,025</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">113,006</font></td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">119,754</font></td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Interest-bearing Demand Deposits</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">308,184</font></td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">319,057</font></td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">321,822</font></td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">308,015</font></td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Borrowings</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">52,913</font></td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">42,033</font></td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">45,106</font></td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">36,739</font></td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Other Liabilities</font></td>
    <td style="border-bottom: Black 1pt solid"><FONT STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">3,179</font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">4,029</font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">3,516</font></td>
    <td style="border-bottom: Black 1pt solid; text-align: right">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">3,417</font></td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total Liabilities</font></td>
    <td style="border-bottom: Black 1pt solid"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">478,880</font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">475,144</font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">483,450</font></td>
    <td style="border-bottom: Black 1pt solid; text-align: right">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">467,925</font></td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Shareholders&rsquo; Equity</font></td>
    <td style="border-bottom: Black 1pt solid"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">68,104</font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">67,791</font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">66,190</font></td>
    <td style="border-bottom: Black 1pt solid; text-align: right">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">63,997</font></td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Total Liabilities and Shareholders&rsquo; Equity</font></td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">546,984</font></td>
    <td style="border-bottom: Black 1.5pt double">&nbsp;</td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">542,935</font></td>
    <td style="border-bottom: Black 1.5pt double">&nbsp;</td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">549,640</font></td>
    <td style="border-bottom: Black 1.5pt double; text-align: right">&nbsp;</td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">531,922</font></td></tr>
</table>
<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0"><B>&nbsp;</B></P>

<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center"><B>Condensed Statements of Income<BR>
(Unaudited)</B></P>

<P STYLE="font: 8.5pt Arial, Helvetica, Sans-Serif; margin: 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 8.5pt Courier New, Courier, Monospace; width: 100%; border-collapse: collapse; border-bottom: Black 1pt solid">
<tr style="vertical-align: top">
    <td>&nbsp;</td>
    <td colspan="5" style="text-align: center"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif"><b>Quarter Ended</b></font></td>
    <td>&nbsp;</td>
    <td colspan="5" style="text-align: center"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif"><b>Six Months Ended</b></font></td>
    <td>&nbsp;</td></tr>
<tr style="vertical-align: top">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">(In Thousands, Except Per Share Data)</font></td>
    <td colspan="2" style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif"><b>6/30/2015</b></font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td colspan="2" style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif"><b>6/30/2014</b></font></td>
    <td>&nbsp;</td>
    <td colspan="2" style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif"><b>6/30/2015</b></font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td colspan="2" style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif"><b>6/30/2014</b></font></td>
    <td>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td style="width: 49%"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Interest Income</font></td>
    <td style="width: 1%; text-align: right">&nbsp;</td>
    <td style="width: 9%; text-align: right">&nbsp;</td>
    <td style="width: 3%">&nbsp;</td>
    <td style="width: 1%; text-align: right">&nbsp;</td>
    <td style="width: 9%; text-align: right">&nbsp;</td>
    <td style="width: 3%">&nbsp;</td>
    <td style="width: 1%; text-align: right">&nbsp;</td>
    <td style="width: 10%; text-align: right">&nbsp;</td>
    <td style="width: 3%">&nbsp;</td>
    <td style="width: 1%; text-align: right">&nbsp;</td>
    <td style="width: 9%; text-align: right">&nbsp;</td>
    <td style="width: 1%">&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Loans, including fees</font></td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">3,988</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">3,940</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">7,930</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">7,764</font></td>
    <td>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Securities and other</font></td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">844</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">798</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">1,648</font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">1,630</font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Total Interest Income</font></td>
    <td style="border-top: Black 1pt solid; text-align: right">&nbsp;</td>
    <td style="border-top: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">4,832</font></td>
    <td style="border-top: Black 1pt solid">&nbsp;</td>
    <td style="border-top: Black 1pt solid; text-align: right">&nbsp;</td>
    <td style="border-top: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">4,738</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">9,578</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">9,394</font></td>
    <td>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Interest Expense</font></td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Deposits</font></td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">215</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">262</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">440</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">541</font></td>
    <td>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Borrowings</font></td>
    <td style="border-bottom: Black 1pt solid; text-align: right">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">38</font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">27</font></td>
    <td>&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">69</font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">50</font></td>
    <td>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Total Interest Expense</font></td>
    <td style="border-bottom: Black 1pt solid"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">253</font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">289</font></td>
    <td>&nbsp;</td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">509</font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">591</font></td>
    <td>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Net Interest Income</font></td>
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">4,579</font></td>
    <td>&nbsp;</td>
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">4,449</font></td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">9,069</font></td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">8,803</font></td>
    <td>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Provision for Loan Losses</font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&mdash;</font></td>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</td>
    <TD STYLE="text-align: right; border-bottom: Black 1pt solid"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&mdash;</font></td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">100</font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">100</font></td>
    <td>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Net Interest Income After Provision</font></td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="background-color: rgb(204,238,255)"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;for Loan Losses</font></td>
    <TD STYLE="text-align: right; background-color: rgb(204,238,255)">&nbsp;</td>
    <TD STYLE="text-align: right; background-color: rgb(204,238,255)"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">4,579</font></td>
    <TD STYLE="background-color: rgb(204,238,255)">&nbsp;</td>
    <TD STYLE="text-align: right; background-color: rgb(204,238,255)">&nbsp;</td>
    <TD STYLE="text-align: right; background-color: rgb(204,238,255)"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">4,449</font></td>
    <TD STYLE="background-color: rgb(204,238,255)">&nbsp;</td>
    <TD STYLE="text-align: right; background-color: rgb(204,238,255)">&nbsp;</td>
    <TD STYLE="text-align: right; background-color: rgb(204,238,255)"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">8,969</font></td>
    <TD STYLE="background-color: rgb(204,238,255)">&nbsp;</td>
    <TD STYLE="text-align: right; background-color: rgb(204,238,255)">&nbsp;</td>
    <TD STYLE="text-align: right; background-color: rgb(204,238,255)"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">8,703</font></td>
    <TD STYLE="background-color: rgb(204,238,255)">&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD STYLE="background-color: White">&nbsp;</td>
    <TD STYLE="background-color: White">&nbsp;</td>
    <TD STYLE="text-align: right; background-color: White">&nbsp;</td>
    <TD STYLE="background-color: White">&nbsp;</td>
    <TD STYLE="background-color: White">&nbsp;</td>
    <TD STYLE="text-align: right; background-color: White">&nbsp;</td>
    <TD STYLE="background-color: White">&nbsp;</td>
    <TD STYLE="background-color: White">&nbsp;</td>
    <TD STYLE="text-align: right; background-color: White">&nbsp;</td>
    <TD STYLE="background-color: White">&nbsp;</td>
    <TD STYLE="background-color: White">&nbsp;</td>
    <TD STYLE="text-align: right; background-color: White">&nbsp;</td>
    <TD STYLE="background-color: White">&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Noninterest Income</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Customer service charges</font></td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">1,062</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">963</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">2,045</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">1,822</font></td>
    <TD>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Insurance and investment commissions</font></td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">292</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">206</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">633</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">437</font></td>
    <td>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Gains on sales of loans</font></td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">309</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">304</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">812</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">450</font></td>
    <TD>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other income</font></td>
    <td style="border-bottom: Black 1pt solid"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">188</font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">109</font></td>
    <td>&nbsp;</td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">655</font></td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid">&nbsp;</td>
    <td style="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">359</font></td>
    <td>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Total Noninterest Income</font></td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">1,851</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">1,582</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">4,145</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">3,068</font></td>
    <TD>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Noninterest Expense</font></td>
    <TD><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD>&nbsp;</td>
    <TD><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Salaries and benefits</font></td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">2,214</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">2,076</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">4,513</font></td>
    <td>&nbsp;</td>
    <td style="text-align: right">&nbsp;</td>
    <td style="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">4,160</font></td>
    <td>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Occupancy and equipment</font></td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">592</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">596</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">1,188</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">1,213</font></td>
    <TD>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Data processing</font></td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">579</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">461</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">1,132</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">887</font></td>
    <TD>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Professional fees</font></td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">236</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">236</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">513</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">433</font></td>
    <TD>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Other expense</font></td>
    <TD STYLE="border-bottom: Black 1pt solid"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">864</font></td>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">844</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">1,699</font></td>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">1,577</font></td>
    <TD>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Total Noninterest Expense</font></td>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">4,485</font></td>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">4,213</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">9,045</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">8,270</font></td>
    <TD>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD>&nbsp;</td>
    <TD STYLE="border-top: Black 1pt solid">&nbsp;</td>
    <TD STYLE="border-top: Black 1pt solid; text-align: right">&nbsp;</td>
    <TD STYLE="border-top: Black 1pt solid">&nbsp;</td>
    <TD STYLE="border-top: Black 1pt solid">&nbsp;</td>
    <TD STYLE="border-top: Black 1pt solid; text-align: right">&nbsp;</td>
    <TD>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Income Before Income Tax</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">1,945</font></td>
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">1,818</font></td>
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">4,069</font></td>
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">3,501</font></td>
    <TD>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Income Taxes</font></td>
    <TD STYLE="border-bottom: Black 1pt solid"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">514</font></td>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">481</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">996</font></td>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1pt solid; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">916</font></td>
    <TD>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <TD><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD>&nbsp;</td>
    <TD><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">&nbsp;</font></td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Net Income</font></td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">1,431</font></td>
    <td style="border-bottom: Black 1.5pt double">&nbsp;</td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">1,337</font></td>
    <td>&nbsp;</td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">3,073</font></td>
    <td style="border-bottom: Black 1.5pt double">&nbsp;</td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <td style="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">2,585</font></td>
    <td>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <TD STYLE="text-align: right">&nbsp;</td>
    <TD>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <TD><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Basic Earnings Per Share</font></td>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial (W1),sans-serif">0.43</font></td>
    <TD STYLE="border-bottom: Black 1.5pt double">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial (W1),sans-serif">0.40</font></td>
    <TD>&nbsp;</td>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">0.93</font></td>
    <TD STYLE="border-bottom: Black 1.5pt double">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <TD STYLE="border-bottom: Black 1.5pt double; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">0.78</font></td>
    <TD>&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: White">
    <TD STYLE="padding-top: 3pt"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">Diluted Earnings Per Share</font></td>
    <TD STYLE="border-bottom: Black 1.5pt double; padding-top: 3pt; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <TD STYLE="border-bottom: Black 1.5pt double; padding-top: 3pt; text-align: right"><font style="font: 8.5pt Arial (W1),sans-serif">0.43</font></td>
    <TD STYLE="border-bottom: Black 1.5pt double; padding-top: 3pt">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1.5pt double; padding-top: 3pt; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <TD STYLE="border-bottom: Black 1.5pt double; padding-top: 3pt; text-align: right"><font style="font: 8.5pt Arial (W1),sans-serif">0.40</font></td>
    <TD STYLE="padding-top: 3pt">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1.5pt double; padding-top: 3pt; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <TD STYLE="border-bottom: Black 1.5pt double; padding-top: 3pt; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">0.93</font></td>
    <TD STYLE="border-bottom: Black 1.5pt double; padding-top: 3pt">&nbsp;</td>
    <TD STYLE="border-bottom: Black 1.5pt double; padding-top: 3pt; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">$</font></td>
    <TD STYLE="border-bottom: Black 1.5pt double; padding-top: 3pt; text-align: right"><font style="font: 8.5pt Arial, Helvetica, Sans-Serif">0.78</font></td>
    <TD STYLE="padding-top: 3pt">&nbsp;</td></tr>
<TR STYLE="vertical-align: top; background-color: rgb(204,238,255)">
    <td style="line-height: 14pt; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</td>
    <td style="line-height: 14pt; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</td>
    <td style="line-height: 14pt; font-family: Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</td>
    <td style="line-height: 14pt; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</td>
    <td style="line-height: 14pt; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</td>
    <td style="line-height: 14pt; font-family: Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</td>
    <td style="line-height: 14pt; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</td>
    <td style="line-height: 14pt; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</td>
    <td style="line-height: 14pt; font-family: Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</td>
    <td style="line-height: 14pt; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</td>
    <td style="line-height: 14pt; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</td>
    <td style="line-height: 14pt; font-family: Arial, Helvetica, Sans-Serif; text-align: right">&nbsp;</td>
    <td style="line-height: 14pt; font-family: Arial, Helvetica, Sans-Serif">&nbsp;</td></tr>
</table>


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<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>choice.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
