<SEC-DOCUMENT>0001206774-17-001445.txt : 20170426
<SEC-HEADER>0001206774-17-001445.hdr.sgml : 20170426
<ACCEPTANCE-DATETIME>20170426161702
ACCESSION NUMBER:		0001206774-17-001445
CONFORMED SUBMISSION TYPE:	424B5
PUBLIC DOCUMENT COUNT:		7
FILED AS OF DATE:		20170426
DATE AS OF CHANGE:		20170426

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SOUTHERN FIRST BANCSHARES INC
		CENTRAL INDEX KEY:			0001090009
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				582459561
		STATE OF INCORPORATION:			SC
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		424B5
		SEC ACT:		1933 Act
		SEC FILE NUMBER:	333-217031
		FILM NUMBER:		17784561

	BUSINESS ADDRESS:	
		STREET 1:		100 VERDAE BOULEVARD
		STREET 2:		SUITE 100
		CITY:			GREENVILLE
		STATE:			SC
		ZIP:			29607
		BUSINESS PHONE:		8646799000

	MAIL ADDRESS:	
		STREET 1:		100 VERDAE BOULEVARD
		STREET 2:		SUITE 100
		CITY:			GREENVILLE
		STATE:			SC
		ZIP:			29607

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	GREENVILLE FIRST BANCSHARES INC
		DATE OF NAME CHANGE:	19990707
</SEC-HEADER>
<DOCUMENT>
<TYPE>424B5
<SEQUENCE>1
<FILENAME>southern3243761_424b5.htm
<DESCRIPTION>PROSPECTUS FILED PURSUANT TO RULE 424(B)(5)
<TEXT>

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<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<TABLE style="LINE-HEIGHT: normal; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD STYLE="text-align: left; width: 99%; padding: 6pt; border: Black 1pt solid"><FONT face="Times New Roman" size=2 color=#ff0000>The information in this preliminary prospectus supplement relates
      to an effective registration statement, but is not complete and may be
      changed. This preliminary prospectus supplement and the accompanying
      prospectus are not an offer to sell securities and are not soliciting an
      offer to buy these securities in any state or jurisdiction where the offer
      or sale is not permitted.</FONT></TD></TR></TABLE><BR>
<P align=right><B><FONT face="Times New Roman" size=2>Filed Pursuant to Rule
424(b)(5) <BR>Registration Statement Number 333-217031</FONT></B><FONT face="Times New Roman" size=2></FONT></P>
<P STYLE="text-align: center"><FONT face="Times New Roman" size=2 color=#ff0000>SUBJECT TO COMPLETION, DATED
APRIL 26, 2017</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Preliminary Prospectus
Supplement <BR>To the Prospectus Dated April 11, 2017 </FONT></B></P>
<P align=center><B><FONT face="Times New Roman">700,000 Shares
</FONT></B></P>
<P align=center><IMG src="southern3243761_424b51x1x1.jpg" border=0></P>
<div align=center><FONT face="Times New Roman" size=3><B>Common Stock</B></font></div>
<DIV align=center>____________________</DIV><BR>

<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We are offering 700,000 shares of our common stock, par value $0.01 per share, at a public offering
price of $ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;per share. Our common stock is traded on The NASDAQ Global Market
under the symbol &#147;SFST.&#148; On April 25, 2017, the last reported sale price of our
common stock on The NASDAQ Global Market was $32.80 per share. </FONT></P>
<div ALIGN="LEFT" STYLE="text-indent: 15pt"><B><FONT face="Times New Roman" size=2>Investing in our common
stock involves risks. Please carefully read the &#147;Risk Factors&#148; beginning on
page S-13 of this prospectus supplement and appearing in our Annual Report on
Form 10-K for the period ended December 31, 2016 for a discussion of certain
factors that you should consider before making your investment
decision.</FONT></B></div>
<DIV align=center>____________________</DIV><BR>
<DIV align=center>
<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%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="3%"><B><FONT face="Times New Roman" size=2>Per Share</FONT></B></TD>
    <TD noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="2%"><B><FONT face="Times New Roman" size=2>Total</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%"><FONT face="Times New Roman" size=2>Public offering price</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face="Times New Roman" size=2>$</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%"><FONT face="Times New Roman" size=2>Underwriting
discount<SUP>(1)</SUP></FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face="Times New Roman" size=2>$</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%"><FONT face="Times New Roman" size=2>Proceeds to us, before expenses</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="3%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face="Times New Roman" size=2>$</FONT></TD></TR></TABLE></DIV><BR>
<DIV align=center>
<TABLE cellSpacing=0 cellPadding=0 width="80%" border=0>

  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt"><FONT face="Times New Roman" size=2>(1)</FONT></TD>
    <TD WIDTH="100%" STYLE="text-align: left"><FONT face="Times New Roman" size=2>See &#147;Underwriting&#148;
      beginning on page 21 for disclosure regarding the underwriting
      discounts, expenses payable to the underwriter and proceeds to us, before
      expenses.</FONT></TD></TR></TABLE></DIV>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The shares of our common stock
are being offered through the underwriter on a firm commitment basis. We have
granted the underwriter a 30 day option to purchase up to an additional 15 percent of the offered amount of our common stock at the public offering price, less the underwriting
discount. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><FONT face="Times New Roman" size=2>Neither the Securities and
Exchange Commission nor any state securities commission has approved or
disapproved of these securities or determined if this prospectus supplement
and the accompanying prospectus is truthful or complete. Any representation to
the contrary is a criminal offense.</FONT></B></P>

<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><FONT face="Times New Roman" size=2>These securities are not
deposits, savings accounts, or other obligations of a depository institution and
are not insured by the Federal Deposit Insurance Corporation or any other
governmental agency. </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The underwriter expects to
deliver the shares of our common stock in book-entry form only, through the
facilities of The Depository Trust Company, against payment on or about April &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;,
2017, subject to customary closing conditions. </FONT></P>
<P align=center><IMG src="southern3243761_424b51x2x1.jpg" border=0></P>
<P align=center><FONT face="Times New Roman" size=2>The date of this prospectus
supplement is April &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2017. </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><B><FONT face="Times New Roman" size=6>Southern First
Bancshares, Inc. </FONT></B></P>
<P align=center><IMG src="southern3243761_424b51x3x1.jpg" border=0></P><BR>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><B><A NAME="toc"></A><FONT face="Times New Roman" size=2>TABLE OF CONTENTS
</FONT></B></P>
<P align=center><B><FONT face="Times New Roman" size=2>Prospectus Supplement
</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 align=left width="98%"><A HREF="#ABOUTTHISPROSPECTUSSUPPLEMENT"><FONT face="Times New Roman" size=2>About This Prospectus
      Supplement</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#ABOUTTHISPROSPECTUSSUPPLEMENT"><FONT face="Times New Roman" size=2>S-1</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#SPECIALNOTEREGARDINGFORWARDLOOKINGSTATEMENTS"><FONT face="Times New Roman" size=2>Special Note Regarding Forward-Looking Statements</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#SPECIALNOTEREGARDINGFORWARDLOOKINGSTATEMENTS"><FONT face="Times New Roman" size=2>S-1</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#PROSPECTUSSUPPLEMENTSUMMARY"><FONT face="Times New Roman" size=2>Prospectus Supplement
      Summary</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#PROSPECTUSSUPPLEMENTSUMMARY"><FONT face="Times New Roman" size=2>S-3</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#THEOFFERING"><FONT face="Times New Roman" size=2>The
      Offering</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#THEOFFERING"><FONT face="Times New Roman" size=2>S-9</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#SELECTEDHISTORICALFINANCIALDATA"><FONT face="Times New Roman" size=2>Selected Historical Financial
      Data</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#SELECTEDHISTORICALFINANCIALDATA"><FONT face="Times New Roman" size=2>S-10</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#RISKFACTORS"><FONT face="Times New Roman" size=2>Risk
      Factors</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#RISKFACTORS"><FONT face="Times New Roman" size=2>S-13</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#UseofProceeds"><FONT face="Times New Roman" size=2>Use of Proceeds</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#UseofProceeds"><FONT face="Times New Roman" size=2>S-17</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#Capitalization"><FONT face="Times New Roman" size=2>Capitalization</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#Capitalization"><FONT face="Times New Roman" size=2>S-18</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#MarketforCommonStockandOurDividendPolicy"><FONT face="Times New Roman" size=2>Market for Common Stock and Our
      Dividend Policy</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#MarketforCommonStockandOurDividendPolicy"><FONT face="Times New Roman" size=2>S-19</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#DescriptionofOurCapitalStock"><FONT face="Times New Roman" size=2>Description of Our Capital Stock</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#DescriptionofOurCapitalStock"><FONT face="Times New Roman" size=2>S-20</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#Underwriting"><FONT face="Times New Roman" size=2>Underwriting</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#Underwriting"><FONT face="Times New Roman" size=2>S-21</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#LegalMatters"><FONT face="Times New Roman" size=2>Legal Matters</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#LegalMatters"><FONT face="Times New Roman" size=2>S-24</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#Experts"><FONT face="Times New Roman" size=2>Experts</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#Experts"><FONT face="Times New Roman" size=2>S-24</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#WhereYouCanFindMoreInformation"><FONT face="Times New Roman" size=2>Where You Can Find More Information</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#WhereYouCanFindMoreInformation"><FONT face="Times New Roman" size=2>S-24</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#IncorporationofCertainInformationbyReference"><FONT face="Times New Roman" size=2>Incorporation of Certain
      Information by Reference</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#IncorporationofCertainInformationbyReference"><FONT face="Times New Roman" size=2>S-24</FONT></A></TD></TR>
  <TR>
    <TD vAlign=top width="100%" colSpan=3>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=center width="100%" colSpan=3><B><FONT face="Times New Roman" size=2>Prospectus
    </FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD NOWRAP STYLE="vertical-align: top; text-align: right; width: 1%; border-bottom: Black 1pt solid"><B><FONT face="Times New Roman" size=2>Page</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#AboutthisProspectus"><FONT face="Times New Roman" size=2>About this Prospectus</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#AboutthisProspectus"><FONT size=2 face="Times New Roman">1</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#ConsolidatedRatioofEarningstoFixedCharges"><FONT face="Times New Roman" size=2>Consolidated Ratio of Earnings to Fixed Charges</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#ConsolidatedRatioofEarningstoFixedCharges"><FONT size=2 face="Times New Roman">2</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#IncorporationofCertainInformationbyReference2"><FONT face="Times New Roman" size=2>Incorporation of Certain
      Information by Reference</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#IncorporationofCertainInformationbyReference2"><FONT size=2 face="Times New Roman">3</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#RiskFactors"><FONT face="Times New Roman" size=2>Risk
      Factors</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#RiskFactors"><FONT size=2 face="Times New Roman">4</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#SpecialNoteRegardingForward-LookingStatements"><FONT face="Times New Roman" size=2>Special Note Regarding
      Forward-Looking Statements</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#SpecialNoteRegardingForward-LookingStatements"><FONT size=2 face="Times New Roman">5</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#ProspectusSummary"><FONT face="Times New Roman" size=2>Prospectus Summary</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#ProspectusSummary"><FONT size=2 face="Times New Roman">7</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#SouthernFirstBancsharesInc"><FONT face="Times New Roman" size=2>Southern First Bancshares,
      Inc.</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#SouthernFirstBancsharesInc"><FONT size=2 face="Times New Roman">9</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#UseofProceeds2"><FONT face="Times New Roman" size=2>Use
      of Proceeds</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#UseofProceeds2"><FONT size=2 face="Times New Roman">9</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#PlanofDistribution"><FONT face="Times New Roman" size=2>Plan of Distribution</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#PlanofDistribution"><FONT size=2 face="Times New Roman">9</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#DescriptionofDebtSecurities"><FONT face="Times New Roman" size=2>Description of Debt Securities</FONT></A></TD>
    <TD vAlign=top noWrap align=right width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#DescriptionofDebtSecurities"><FONT face="Times New Roman" size=2>11</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#DescriptionofPreferredStock"><FONT face="Times New Roman" size=2>Description of Preferred
      Stock</FONT></A></TD>
    <TD vAlign=top noWrap align=right width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#DescriptionofPreferredStock"><FONT face="Times New Roman" size=2>17</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#DescriptionofDepositaryShares"><FONT face="Times New Roman" size=2>Description of Depositary Shares</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#DescriptionofDepositaryShares"><FONT face="Times New Roman" size=2>19</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#DescriptionofCommonStock"><FONT face="Times New Roman" size=2>Description of Common
    Stock</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#DescriptionofCommonStock"><FONT face="Times New Roman" size=2>22</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#DescriptionofPurchaseContracts"><FONT face="Times New Roman" size=2>Description of Purchase Contracts</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#DescriptionofPurchaseContracts"><FONT face="Times New Roman" size=2>23</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#DescriptionofUnits"><FONT face="Times New Roman" size=2>Description of Units</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#DescriptionofUnits"><FONT face="Times New Roman" size=2>24</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#DescriptionofWarrants"><FONT face="Times New Roman" size=2>Description of Warrants</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#DescriptionofWarrants"><FONT face="Times New Roman" size=2>24</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#DescriptionofRights"><FONT face="Times New Roman" size=2>Description of Rights</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#DescriptionofRights"><FONT face="Times New Roman" size=2>25</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#AntiTakeoverEffectsofCertainArticlesofIncorporationProvisions"><FONT face="Times New Roman" size=2>Anti-Takeover Effects of Certain Articles of Incorporation
      Provisions</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#AntiTakeoverEffectsofCertainArticlesofIncorporationProvisions"><FONT face="Times New Roman" size=2>27</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#ValidityofSecurities"><FONT face="Times New Roman" size=2>Validity of Securities</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#ValidityofSecurities"><FONT face="Times New Roman" size=2>27</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#Experts2"><FONT face="Times New Roman" size=2>Experts</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#Experts2"><FONT face="Times New Roman" size=2>28</FONT></A></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><A HREF="#WhereYouCanFindMoreInformation2"><FONT face="Times New Roman" size=2>Where You Can Find More
      Information</FONT></A></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><A HREF="#WhereYouCanFindMoreInformation2"><FONT face="Times New Roman" size=2>28</FONT></A></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2>i</FONT><FONT face="Times New Roman"> </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><FONT face="Times New Roman" size=2>In making your investment
decision, you should rely only on the information contained or incorporated by
reference in this prospectus supplement, the accompanying prospectus or any free
writing prospectus filed by us with the SEC. We have not, and the underwriter
has not, authorized anyone else to provide you with different or additional
information. If anyone provides you with any other information, you should not
rely on it. We are not, and the underwriter is not, making an offer to sell
these securities in any jurisdiction where the offer and sale is not permitted.
You should not assume that the information in this prospectus supplement, the
accompanying prospectus, any free writing prospectus or any document
incorporated by reference is accurate as of any date other than their respective
dates. Our business, financial condition, results of operations and prospects
may have changed since those dates.</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><FONT face="Times New Roman" size=2>You should assume that the
information appearing in this prospectus supplement, the accompanying
prospectus, any &#147;free writing prospectus&#148; or any documents incorporated by
reference herein, is accurate only as of their respective dates. Our business,
financial condition, results of operations and prospects may have changed since
those dates. This prospectus supplement supersedes the accompanying prospectus
to the extent it contains information that is different from or in addition to
the information in that prospectus. </FONT></B><FONT face="Times New Roman" size=2></FONT></P>
<P STYLE="text-align: center"><FONT face="Times New Roman" size=2>ii</FONT><FONT face="Times New Roman"> </FONT></P>
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<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2><A NAME="ABOUTTHISPROSPECTUSSUPPLEMENT"></A>ABOUT THIS PROSPECTUS
SUPPLEMENT </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>This document consists of two
parts. The first part is this prospectus supplement, which describes the
specific terms of this offering, and updates and adds to the information
contained in the accompanying prospectus and the documents incorporated by
reference into this prospectus supplement and the accompanying prospectus. The
second part is the accompanying prospectus, which provides more general
information about us, our common stock, and other securities we may offer from
time to time, some of which may not apply to this offering. You should read this
prospectus supplement, the accompanying prospectus and any &#147;free writing
prospectus,&#148; together with additional information described below under the
headings &#147;Where You Can Find More Information&#148; and &#147;Incorporation of Certain
Information by Reference&#148; before deciding to invest in our common stock.
Generally, when we refer to this &#147;prospectus&#148; we mean this prospectus supplement
together with the accompanying prospectus.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We are offering to sell, and
seeking offers to buy, shares of our common stock only in jurisdictions where
such offers and sales are permitted. The distribution of this prospectus
supplement and the accompanying prospectus and the offering of the common stock
in certain jurisdictions may be restricted by law. This prospectus supplement
does not constitute, and may not be used in connection with, an offer to sell,
or a solicitation of an offer to buy, any common stock offered by this
prospectus supplement by any person in any jurisdiction in which it is unlawful
for such person to make such an offer or solicitation.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Unless otherwise expressly
stated or the context otherwise requires, all information in this prospectus
supplement assumes that (i) the underwriter will not exercise its option to
purchase additional shares of our common stock, and (ii) no options, warrants,
stock rights or shares of common stock were issued after April 25,
2017.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>This prospectus supplement
includes market size, market share and industry data that we have obtained from
internal company surveys, market research, publicly available information and
various industry publications. The third-party sources from which we have
obtained information generally state that the information contained therein has
been obtained from sources believed to be reliable, but we cannot assure you
that this information is accurate or complete. We have not independently
verified any of the data from third-party sources nor have we verified the
underlying economic assumptions relied upon by those third parties. Similarly,
internal company surveys, industry forecasts and market research, which we
believe to be reliable based upon management&#146;s knowledge of the industry, have
not been verified by any independent sources. Our internal company surveys are
based on data we have collected over the past several years.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>In this prospectus supplement,
unless otherwise expressly stated or the context otherwise requires, the terms
&#147;we,&#148; &#147;us,&#148; the &#147;Company,&#148; &#147;Southern First,&#148; and &#147;our&#148; refer to Southern First
Bancshares, Inc. and our subsidiaries on a combined basis. References to the
&#147;Bank&#148; refer to Southern First Bank, our banking subsidiary.</FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2><A NAME="SPECIALNOTEREGARDINGFORWARDLOOKINGSTATEMENTS"></A>SPECIAL NOTE REGARDING
FORWARD-LOOKING STATEMENTS </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>This prospectus supplement and
the accompanying prospectus contain or incorporate by reference forward looking
statements within the meaning of Section 27A of the Securities Act of 1933 (the
&#147;Securities Act&#148;), and Section 21E of the Securities Exchange Act of 1934 (the
&#147;Exchange Act&#148;). These forward looking statements represent plans, estimates,
objectives, goals, guidelines, expectations, intentions, projections and
statements of our beliefs concerning future events, business plans, objectives,
expected operating results and the assumptions upon which those statements are
based. Forward looking statements include without limitation, any statement that
may predict, forecast, indicate or imply future results, performance or
achievements, and are typically identified with words such as &#147;may,&#148; &#147;could,&#148;
&#147;should,&#148; &#147;will,&#148; &#147;would,&#148; &#147;believe,&#148; &#147;anticipate,&#148; &#147;estimate,&#148; &#147;expect,&#148;
&#147;intend,&#148; &#147;plan,&#148; or words or phases of similar meaning. We caution that the
forward looking statements are based largely on our expectations and are subject
to a number of known and unknown risks and uncertainties that are subject to
change based on factors which are, in many instances, beyond our control. Actual
results, performance or achievements could differ materially from those
contemplated, expressed, or implied by the forward looking statements.
</FONT></P>

<P align=center><FONT face="Times New Roman" size=2>S-1</FONT><FONT face="Times New Roman"> </FONT></P>
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<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The following factors, among
others, could cause our financial performance to differ materially from that
expressed in such forward looking statements: </FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>

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    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>Restrictions or
      conditions imposed by our regulators on our
      operations;<BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>Increases in competitive pressure in the banking and financial
      services industries;<BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>Changes in access to
      funding or increased regulatory requirements with regard to funding;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>Changes in deposit flows;<BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>Credit losses as a result of declining real estate values,
      increasing interest rates, increasing unemployment, changes in payment
      behavior or other factors; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>Credit losses due to loan concentration;
<BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>Changes in the amount of our loan portfolio collateralized by real
      estate and weaknesses in the real estate market;
  <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>Our ability to successfully execute our business strategy;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>Our ability to attract and retain key personnel;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>The success and costs of our expansion into the Raleigh and Atlanta
      markets; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>Changes in the interest rate environment which could reduce
      anticipated or actual margins; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>Changes in political conditions or the legislative or regulatory
      environment, including governmental initiatives affecting the financial
      services industry; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>Changes in economic conditions resulting in, among other things, a
      deterioration in credit quality; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>Changes occurring in business conditions and inflation;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>Increased cybersecurity risk, including potential business
      disruptions or financial losses; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>Changes in technology; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>The adequacy of the level of our allowance for loan losses and the
      amount of loan loss provisions required in future periods;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>Examinations by our regulatory authorities, including the
      possibility that the regulatory authorities may, among other things,
      require us to increase our allowance for loan losses or write-down assets;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>Changes in monetary and tax policies; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>The rate of delinquencies and amounts of loans charged-off;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>The rate of loan growth in recent years and the lack of seasoning
      of a portion of our loan portfolio; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>Our ability to maintain appropriate levels of capital and to comply
      with our capital ratio requirements; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>Adverse changes in asset quality and resulting credit risk-related
      losses and expenses;<BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>Changes in accounting policies and practices;
      and<BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face=Arial size=2></FONT><FONT face="Times New Roman" size=2>Other risks and uncertainties contained in this prospectus
      supplement or incorporated by reference into this prospectus supplement
      from the other reports and filings with the Securities and Exchange
      Commission, which we refer to as the SEC. </FONT></P></TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>If one or more of the factors
affecting our forward-looking information and statements proves incorrect, then
our actual results, performance or achievements could differ materially from
those expressed in, or implied by, forward-looking information and statements
contained in this prospectus supplement and in the information incorporated by
reference herein. Therefore, we caution you not to place undue reliance on our
forward-looking information and statements. We undertake no obligation to
publicly update forward-looking statements, whether as a result of new
information, future events or otherwise. You are advised, however, to consult
any further disclosures we make on related subjects in our periodic and current
reports that we file with the SEC. Also note that we provide cautionary
discussion of risks, uncertainties and possibly inaccurate assumptions relevant
to our businesses in our periodic and current reports to the SEC incorporated by
reference in this prospectus supplement, the accompanying prospectus and other offering materials. These are
factors that, individually or in the aggregate, management believes could cause
our actual results to differ materially from expected and historical results.
</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>S-2</FONT><FONT face="Times New Roman"> </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
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<P align=center style = "margin-top: 0pt"><B><FONT face="Times New Roman" size=2><A NAME="PROSPECTUSSUPPLEMENTSUMMARY"></A>PROSPECTUS SUPPLEMENT
SUMMARY </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><I><FONT face="Times New Roman" size=2>This summary highlights
selected information contained or incorporated by reference in this prospectus
supplement or the accompanying prospectus and may not contain all the
information that you need to consider in making your investment decision. To
understand this offering fully, you should read this prospectus supplement and
the accompanying prospectus carefully. You should carefully read the sections
titled &#147;Risk Factors&#148; in this prospectus supplement and in the accompanying
prospectus and the documents identified in the section &#147;Incorporation of Certain
Information by Reference.&#148;</FONT></I></P>
<P align=left><B><FONT face="Times New Roman" size=2>The Company </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Southern First Bancshares,
Inc. was incorporated under the laws of South Carolina and is a bank holding
company registered under the Bank Holding Company Act of 1956. Our primary
business is to serve as the holding company for Southern First Bank, a South
Carolina state bank. The Bank is a commercial bank with nine retail offices
located in Greenville, Columbia and Charleston, South Carolina and one location
in Raleigh, North Carolina with total assets of $1.5 billion as of March 31,
2017. In addition, on April 25, 2017, we also announced that we are expanding
our operations to the greater Atlanta, Georgia market through the hiring of an
experienced banker and intend to hire additional bankers in this market in 2017.
</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The Bank is primarily engaged
in the business of accepting demand deposits and savings deposits insured by the
Federal Deposit Insurance Corporation (the &#147;FDIC&#148;), and providing commercial,
consumer and mortgage loans to the general public. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Our Competitive
Strengths</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We believe that the following
business strengths have been instrumental to the success of our core operations.
These attributes will enable us to continue profitable growth, while remaining
fundamentally sound and driving value to our shareholders.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><I><FONT face="Times New Roman" size=2>Simple and Efficient  ClientFIRST
Model</FONT></I></B><FONT face="Times New Roman" size=2>.</FONT><B><I></I></B><FONT face="Times New Roman" size=2> We operate
our Bank using a simple and efficient  style of banking that is focused on providing core banking products and services  to
our clients through a team of talented and experienced bankers. We refer to  this model as &#147;ClientFIRST&#148; and it is
structured to deliver superior client  service via &#147;relationship teams,&#148; which provide each client with a specific
banker contact and a consistent support team responsible for all of the client&#146;s  banking needs. We believe this model
results in a consistent and superior level  of professional service that affords us with a distinct competitive advantage by
enabling us to build and maintain long-term relationships with desirable  clients, enhancing the quality and stability of our
funding and lending  operations and positioning us to take advantage of future growth opportunities  in our existing markets.
We also believe that this client focused culture has  led to our successful expansion into new markets in the past, and will
enable us  to be successful if we seek to expand into new markets in the future.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our ClientFIRST model focuses
on achieving cost efficiencies by diligently managing the growth of our number
of employees and banking offices. We have historically insisted that the
identification of talented bankers drives our growth strategy, as opposed to a
more general desire to enter a specific geography or market. This strategy
translates into a smaller number of brick and mortar offices relative to our
size and compared to peer banks, but larger overall deposit balances in our
offices as compared to peers. As a result, our offices average approximately
$111 million in total deposits. We believe this style of banking allows us to
deliver exceptional client service, while achieving lower efficiency ratios
relative to our local competitors, as evidenced by our 61% efficiency ratio for
the quarter ended March 31, 2017. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We continue to make
significant investments in our IT systems and technology offerings to our
clients that we believe will continue to drive low-cost deposit growth. For
example, we launched our new mobile banking platform in early 2014 and have
successfully registered 5,700 mobile devices, with the expectation that our
active users will continue to increase in the coming years. We believe that our
current mobile banking, on-line banking and cash management offerings are
industry-leading solutions amongst community banks, and we will continue to
invest in the latest technology solutions to ensure we meet the evolving needs
of our clients and maintain this competitive advantage over other community
banks. </FONT></P>
<P align=center style = "margin-bottom: 0pt"><FONT face="Times New Roman" size=2>S-3</FONT><FONT face="Times New Roman"> </FONT></P></DIV><BR>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<DIV style="BORDER-RIGHT: #000000 1pt solid; PADDING-RIGHT: 15pt; BORDER-TOP: #000000 1pt solid; PADDING-LEFT: 15pt; PADDING-BOTTOM: 15pt; BORDER-LEFT: #000000 1pt solid; PADDING-TOP: 15pt; BORDER-BOTTOM: #000000 1pt solid">
<P ALIGN="LEFT" STYLE="margin-top: 0pt; text-indent: 15pt"><B><I><FONT face="Times New Roman" size=2>Attractive South
Carolina, North Carolina and Georgia Markets. </FONT></I></B><FONT face="Times New Roman" size=2>We have nine banking offices located in
Greenville, Columbia and Charleston, South Carolina, which are the three largest
markets in South Carolina, and one banking office located in Raleigh, North
Carolina, opened in January 2017, which is the second largest market in North
Carolina. We have also announced the expansion of our operations into the
greater Atlanta, Georgia market. The following table illustrates our market
share, by insured deposits as of the dates indicated, in these five
markets:</FONT></P>
<P align=center><B><U><FONT face="Times New Roman" size=2>Our Market
Deposits</FONT></U></B><B></B></P>
<DIV align=center>
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    <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>
    <TD noWrap style="text-align: center" width="2%" colSpan=2><STRONG><FONT size=2 face="Times New Roman">June 30,</FONT></STRONG></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="2%" colSpan=2></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="92%"><B><FONT face="Times New Roman" size=2>Market</FONT></B><B><FONT face="Times New Roman" size=2><SUP>(1)</SUP></FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="1%"><B><FONT face="Times New Roman" size=2>Total Offices</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>2016</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Total Market
      Deposits<SUP>(2)</SUP></FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="text-align: center" width="100%" colSpan=9><FONT face="Times New Roman" size=2>(Dollars in thousands)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Greenville</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" 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><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>618,817</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;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>15,358,658</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%"><FONT face="Times New Roman" size=2>Columbia</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>3</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>224,589</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>18,310,822</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Charleston</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>2</FONT></TD>
    <TD noWrap align=right 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>210,346</FONT></TD>
    <TD noWrap align=right 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>12,237,641</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%"><FONT face="Times New Roman" size=2>Raleigh<SUP>(3)</SUP></FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>N/A</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>27,589,236</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Atlanta</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" 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=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" 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=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>156,210,441</FONT></TD></TR></TABLE></DIV>
    <DIV>____________________</DIV><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt"><FONT face="Times New Roman" size=2><SUP>(1)</SUP></FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>Represents the
      metropolitan statistical area (&#147;MSA&#148;) for each market.</FONT><BR>
&nbsp;</TD></TR>
  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt"><FONT face="Times New Roman" size=2><SUP>(2)</SUP></FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>The total market
      deposits data displayed are as of June 30, 2016 as reported by the
      FDIC.</FONT><BR>
&nbsp;</TD></TR>
  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt"><FONT face="Times New Roman" size=2><SUP>(3)</SUP></FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>As of March 31, 2017,
      total market deposits in Raleigh were $16
million.</FONT></TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><I><FONT face="Times New Roman" size=2>Greenville.
</FONT></I><FONT face="Times New Roman" size=2>The city of Greenville is located
in Greenville County, South Carolina approximately midway between Atlanta and
Charlotte on the heavily traveled I-85 business corridor. The
Greenville-Anderson-Mauldin MSA is the most populous market in South Carolina
with an estimated 876,400 residents as reported in October 2016. The median
household income for the Greenville-Anderson-Mauldin MSA was $46,649 for 2016. A
large and diverse metropolitan area, the Greenville-Anderson-Mauldin MSA is one
of the southeast region&#146;s premier areas for business, serving as headquarters
for Michelin and Hubbell Lighting as well as hosting significant operations for
BMW and Lockheed Martin.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><I><FONT face="Times New Roman" size=2>Columbia. </FONT></I><FONT face="Times New Roman" size=2>The city of Columbia is located in Richland
County, South Carolina and its surrounding suburban areas expand into adjoining
Lexington County. Columbia is the state capital, the largest city in the state
and the home of the University of South Carolina and Fort Jackson, the Army&#146;s
largest Initial Entry Training Center. The Columbia MSA is the second most
populous market in the state with an estimated population of 811,600 residents
as reported in October 2016. The median household income for the Columbia MSA
was $52,375 for 2016.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><I><FONT face="Times New Roman" size=2>Charleston.
</FONT></I><FONT face="Times New Roman" size=2>The city of Charleston is located
in Charleston County, South Carolina. The Charleston-North Charleston MSA is the
third most populous market in the state with an estimated population of 745,600
residents as reported in October 2016. Charleston is home to the deepest port in
the Southeast and boasts top companies in the aerospace, biomedical and
technology fields such as Boeing, the Medical University of South Carolina
(MUSC) and Blackbaud. The median household income for the Charleston-North
Charleston MSA was approximately $55,985 for 2016. One of our retail offices in
the Charleston market is located in the city of Mount Pleasant, which is located
just north of Charleston in Charleston County and ranks as the fourth largest
city in South Carolina.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><I><FONT face="Times New Roman" size=2>Raleigh</FONT></I><FONT face="Times New Roman" size=2>. The city of Raleigh is the second largest city
in the state and is located in Wake County, North Carolina. The Raleigh MSA is
one of the most populous markets in the state of North Carolina with an
estimated population of 1.27 million residents as reported in October 2016.
Raleigh is the state capital and is home to North Carolina State University and
is part of the Research Triangle area, together with Durham, North Carolina
(home of Duke University) and Chapel Hill, North Carolina (home of the
University of North Carolina at Chapel Hill). The median household income for
the Raleigh MSA was approximately $64,214 for 2016. We opened our first retail
office in Raleigh in January 2017. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><I><FONT face="Times New Roman" size=2>Atlanta</FONT></I><FONT face="Times New Roman" size=2>. The Atlanta-Sandy Springs-Roswell MSA has the
ninth largest population in the U.S. with 5.72 million residents as reported in
October 2016. Atlanta is the state capital of, and largest city in, Georgia and
is the world headquarters of corporations such as Coca-Cola, Home Depot, UPS,
Delta Airlines and Turner Broadcasting. The median household income for the
Atlanta MSA is $58,153 for 2016. </FONT></P>
<P align=center style = "margin-bottom: 0pt"><FONT face="Times New Roman" size=2>S-4</FONT><FONT face="Times New Roman"> </FONT></P></DIV><BR>
<HR align=center width="100%" noShade SIZE=2>

<!--PART 02-->
<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<div STYLE="border: 1PT SOLID #000000; PADDING: 15PT">
<div ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We believe that the
demographics and growth characteristics of these five markets will provide us
with significant opportunities to further develop existing client relationships
and expand our client base.</FONT></DIV>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><I><FONT face="Times New Roman" size=2>Experienced Management
Team, Dedicated Board of Directors and Talented Employees</FONT></I></B><FONT face="Times New Roman" size=2>. Our senior management team is led by R. Arthur
Seaver, Jr., F. Justin Strickland, and Michael D. Dowling, whose biographies are
included below. These executives lead a team of 30 additional senior team
members which we believe compares favorably to any community bank management
team assembled in South Carolina.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><I><FONT face="Times New Roman" size=2>R. Arthur &#147;Art&#148; Seaver,
Jr.</FONT></I><FONT face="Times New Roman" size=2>, 53, has served as the Chief
Executive Officer of our Company and our Bank since 1999. He has over 30 years
of banking experience. From 1986 until 1992, Mr. Seaver held various positions
with The Citizens &amp; Southern National Bank of South Carolina. From 1992
until February 1999, he was with Greenville National Bank, which was acquired by
Regions Bank in 1998. He was the Senior Vice President in lending and was also
responsible for managing Greenville National Bank&#146;s deposit strategies prior to
leaving to form the Bank. Mr. Seaver is a 1986 graduate of Clemson University
with a bachelor&#146;s degree in Financial Management and a 1999 graduate of the BAI
Graduate School of Community Bank Management.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><I><FONT face="Times New Roman" size=2>F. Justin
Strickland</FONT></I><FONT face="Times New Roman" size=2>, 53, has served as
President of our Company and our Bank since 2006. He has over 30 years of
banking experience. From 1985 until 1993, Mr. Strickland held various positions
with The Citizens &amp; Southern National Bank of South Carolina. From 1993
until November 2006, he was with Carolina First Bank. From 1999 until November
2006, he held the position of South Carolina Midlands Market President. Mr.
Strickland is a 1985 graduate of the University of South Carolina with a
bachelor&#146;s degree in Finance and the LSU Graduate School of Banking of the South
in Baton Rouge, Louisiana in 1996.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><I><FONT face="Times New Roman" size=2>Michael D.
Dowling</FONT></I><FONT face="Times New Roman" size=2>, 45, has served as an
executive Vice President and the Chief Financial Officer of our Company and our
Bank since 2011. He has over 23 years of experience in the banking industry. Mr.
Dowling was previously employed with KPMG LLP from 1994 until 2011, including
most recently as an Audit Partner (2005-2011) and a member of KPMG&#146;s Financial
Services practice. Mr. Dowling has extensive experience working with public
companies and financial institutions. He is a 1993 graduate of Clemson
University, with a degree in Accounting and is a CPA in South Carolina and North
Carolina. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our entire executive
management team brings an average of 23 years of experience in the banking
industry and consists of the following in addition to Messrs. Seaver, Strickland
and Dowling: </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="20%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="73%"></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=1>Years of</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="20%"><B><FONT face="Times New Roman" size=1>Name</FONT></B></TD>
    <TD noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD NOWRAP ALIGN="LEFT" WIDTH="73%" STYLE="border-bottom: #000000 1pt solid; text-align: center"><B><FONT face="Times New Roman" size=1>Position</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%"><B><FONT face="Times New Roman" size=1>Experience</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="20%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Richard E. S. Bowen</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Executive Vice President and Atlanta
      Regional Executive</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>27</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="20%"><FONT face="Times New Roman" size=2>Frederick Gilmer III</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>Executive Vice President and Senior Lending Officer</FONT></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"><FONT face="Times New Roman" size=2>29</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="20%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Lenwood B. Howell</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Executive Vice President and Charleston
      Regional Executive</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>30</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="20%"><FONT face="Times New Roman" size=2>Tricia P. Springfield</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>Executive Vice President and Chief Retail Officer</FONT></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;</TD>
    <TD noWrap style="text-align: center" width="5%"><FONT face="Times New Roman" size=2>24</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="20%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Jason E. Starnes</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Executive Vice President and Chief
      Information Officer</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>17</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="20%"><FONT face="Times New Roman" size=2>Jonathan H. Taylor</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>Executive Vice President and Raleigh Regional Executive</FONT></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"><FONT face="Times New Roman" size=2>20</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="20%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Robert B. Thompson III</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="73%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Executive Vice President and Greenville
      Regional Executive</FONT></TD>
    <TD noWrap style="text-align: center" width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap style="text-align: center" width="5%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>21</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="20%"><FONT face="Times New Roman" size=2>Emily V. Watrous</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="73%"><FONT face="Times New Roman" size=2>Executive Vice President and Human Resource Executive</FONT></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="5%"><FONT face="Times New Roman" size=2>5</FONT></TD></TR></TABLE><BR>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The management team is
complemented by a dedicated board of directors with extensive local knowledge
and a wide range of experience including accounting, business, banking,
manufacturing, insurance, management and finance. We believe that our
management&#146;s and board&#146;s incentives are closely aligned with our shareholders
through the ownership of a substantial amount of our stock. As of March 31,
2017, our named executive officers and board of directors owned an aggregate of
817,279 shares of our common stock, including options to purchase shares of our
common stock, or approximately 11.97% of the fully-diluted amount of our common
stock outstanding. We believe that our officers&#146; and directors&#146; experience and
local market knowledge are valuable assets and will enable them to guide us
successfully in the future.</FONT></P>
<DIV align=center><FONT face="Times New Roman" size=2>S-5</FONT></DIV></div><br>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<div STYLE="border: 1PT SOLID #000000; PADDING: 15PT">
<DIV ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>In addition, we believe that
we have assembled a group of highly talented employees by being an employer of
choice in the markets we serve. We employed a total of 184 full-time equivalent
employees as of March 31, 2017. Our employees are skilled in the areas of banking, information
technology, management, sales, advertising and marketing, among others. We
strive to provide an &#147;umbrella for great talent,&#148; characterized by a culture of
transparency and collaboration which permeates all levels of the organization.
To drive our culture of transparency and collaboration, our employees engage in
a series of weekly meetings to understand the goals and plan for each week.
These meetings are intended to remind our employees of our vision, strategy and
ClientFIRST service, and provide our employees with information regarding
monthly and quarterly goals and client or prospect needs. In addition, each week
is started with a meeting of all Senior and Executive Vice Presidents to ensure
that all team members are informed on the latest developments of our Company.
Our employees and their ClientFIRST approach to service have been instrumental
to our success. </FONT></DIV>
<P align=left><B><FONT face="Times New Roman" size=2>Our Business Strategy
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We are focused on growing
business relationships and building core deposits, profitable loans and
noninterest income. We believe that we have built a dynamic franchise that meets
the financial needs of our clients by providing an array of personalized
products and services delivered by seasoned banking professionals with knowledge
of our local markets. Our overall strategic goal is to provide the highest level
of service to our clients while achieving high-performance metrics within the
community banking market that drive franchise and shareholder value. Our
specific business strategies include:</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><I><FONT face="Times New Roman" size=2>Focus on Profitable and
Efficient Growth</FONT></I></B><FONT face="Times New Roman" size=2>. Our
executive management team and board of directors are dedicated to producing
profits and returns for our shareholders. We actively manage the mix of assets
and liabilities on our balance sheet to optimize our net interest margin while
also maintaining expense controls and developing noninterest income streams. By
constantly striving to build a well-structured balance sheet, we seek to
increase profitability and improve our return on average assets, return on
average equity and efficiency ratio. We believe that our focus on maximizing our
net interest margin and minimizing our efficiency ratio while maintaining credit
quality controls will translate into continued and improved profitability and
shareholder returns. We are committed to enhancing these levels of profitability
by focusing on our core competencies of commercial lending and core deposit
gathering. We believe that we have the infrastructure currently in place, such
as technology, support staff and administration, to support expansion with
limited associated noninterest expense increases.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><I><FONT face="Times New Roman" size=2>Provide a Distinctive
Client Experience</FONT></I></B><FONT face="Times New Roman" size=2>. Our
markets have been subject to consolidation of local community banks primarily by
larger, out-of-state financial institutions. We believe there is a large client
base in our markets that prefers doing business with a local institution and may
be dissatisfied with the service offered by national and larger regional banks.
We believe that the exceptional level of professional service provided to our
clients as a result of our ClientFIRST model provides us with a distinct
competitive advantage over our local competitors. We also believe that
technology innovation will continue to play a critical role in retaining clients
and winning new business. We believe that our current mobile banking, on-line
banking and cash management offerings are industry-leading solutions amongst
community banks. During 2016, 79% of deposits were acquired through our office
network, 20% came through the commercial remote deposit capture channel and the
remaining 1% came through consumer mobile deposits. We believe that the volume
in remote deposit capture and mobile deposit channels will increase over time as
more clients become acquainted with the convenience these services provide. By
delivering superior professional service through our ClientFIRST model, coupled
with our deep understanding of our markets and our commitment to providing the
latest technology solutions to meet our clients&#146; banking needs, we believe that
we can attract new clients and expand our total loans and deposits.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><I><FONT face="Times New Roman" size=2>Maintain a Rigorous Risk
Management Infrastructure</FONT></I></B><FONT face="Times New Roman" size=2>. As
we grow, one of our top priorities is to continue to build a robust enterprise
risk management infrastructure. We believe effective risk management requires a
culture of risk management and governance throughout the Company. The
legislative and regulatory landscape continues to quickly evolve, so we are
continually performing risk assessments throughout the organization and
reallocating resources where appropriate. We have in recent years and will
continue to add new resources and technology investments to help enhance all of
our risk management processes throughout the Bank. Our risk management success
is exemplified by our historic credit risk management and disciplined
underwriting practices, which have enabled us to successfully grow our balance
sheet while maintaining strong credit quality metrics. We do not reduce our
credit standards or pricing discipline to generate new loans. In addition, we
are heavily focused on compliance risk and cybersecurity risk, as both of these
risks have increased since our inception. Our management team continually
analyzes emerging fraud and security risks and utilizes tools, strategies and
policies to manage risk while delivering an optimal and appropriate client
experience. We believe our risk management structure allows our board and senior
management to maintain effective oversight of our risks to ensure that our
personnel are following prudent and appropriate risk management practices
resulting in strong loan quality and minimal loan losses.</FONT></P>
<DIV align=center><FONT face="Times New Roman" size=2>S-6</FONT></DIV></div><br>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<div STYLE="border: 1PT SOLID #000000; PADDING: 15PT">
<DIV ALIGN="LEFT" STYLE="text-indent: 15pt"><B><I><FONT face="Times New Roman" size=2>Attract Talented Banking
Professionals With A &#147;ClientFIRST&#148; Focus</FONT></I></B><FONT face="Times New Roman" size=2>. We believe that our ability to attract and
retain banking professionals with strong community relationships and significant
knowledge of our markets will continue to drive our success and grow our
business in an efficient manner. By focusing on experienced, established bankers
who deliver exceptional client service through our ClientFIRST model, we believe
we can enhance our market position and add profitable growth opportunities. We
believe that the strength of our exceptional client service and relationship
banking approach will continue to help us attract established bankers as
evidenced by our recent hirings of experienced bankers in both the attractive
Raleigh and Atlanta markets. In recent years, we have invested in our internal
infrastructure, including support and back office personnel, and we believe that
we can continue to add experienced frontline bankers to our existing markets,
which will drive our efficient growth.</FONT></DIV>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We will continue to expand our
franchise in a controlled manner primarily through the hiring of experienced
banking teams and bankers with strong local ties and relationships. We may
choose to open new locations or enter into new metropolitan markets contiguous
to, or nearby, our current South Carolina footprint, such as our recently
announced expansions in Raleigh and Atlanta, but only after careful study and
the identification and vetting of a local, senior level banking team with
significant experience and reputational strength in that market. We have not yet
supplemented our historic strategy of organic deposit and loan growth with
traditional mergers or acquisitions, but have and will continue to evaluate
potential acquisition opportunities that we believe would be complementary to
our business as part of our growth strategy. Furthermore, we do not believe
acquisitions are necessary to successfully drive our growth and execute our
ClientFIRST model. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Our Financial Performance
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We measure our financial
performance in three primary ways: earnings metrics, growth attributes and asset
quality ratios. All three of these categories are interdependent and equally
important in our view of building value for our shareholders. Due to our simple
and efficient ClientFIRST model, our attractive markets and our experienced
management team, we continue to deliver profitable results. We also reached $1.0
billion in assets within 15 years of starting our Bank solely through organic
growth, one client at a time. Our talented and experienced banking team
continues to build client relationships and we are excited to see strong growth
in each of our four current markets in which we have established branches, while
maintaining strong asset quality. Further information regarding our earnings
metrics, growth attributes and asset quality ratios is contained in the tables
below. Our Selected Historical Financial Data on page S-10 also includes
detailed results of operations for the Company for the years ended December 31,
2012 through 2016 and the three months ended March 31, 2017 and 2016.
</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><I><FONT face="Times New Roman" size=2>Earnings
Metrics</FONT></I></B><FONT face="Times New Roman" size=2>. As noted above, we
have consistently delivered profitable results, having grown net income
available to common shareholders by 373% from 2012 to 2016. This growth has
continued in the first quarter of 2017 with net income available to common
shareholders for the first quarter of 2017 of $3.1 million, a 4% increase over
the first quarter of 2016. The following table illustrates our earnings growth
over the past five years:</FONT></P>
<DIV align=center>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="90%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="90%"></TD>
    <TD style="BORDER-TOP: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-TOP: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="9%" colSpan=9><B><FONT face="Times New Roman" size=2>Year Ended</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="90%"></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap style="text-align: center" width="1%"><B><FONT face="Times New Roman" size=2>31-Dec</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap style="text-align: center" width="1%"><B><FONT face="Times New Roman" size=2>31-Dec</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap style="text-align: center" width="1%"><B><FONT face="Times New Roman" size=2>31-Dec</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap style="text-align: center" width="1%"><B><FONT face="Times New Roman" size=2>31-Dec</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=center width="1%"><B><FONT face="Times New Roman" size=2>31-Dec&nbsp;&nbsp;</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="90%"></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="1%"><B><FONT face="Times New Roman" size=2>2016</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="1%"><B><FONT face="Times New Roman" size=2>2015</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="1%"><B><FONT face="Times New Roman" size=2>2014</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="1%"><B><FONT face="Times New Roman" size=2>2013</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="1%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="1%"><B><FONT face="Times New Roman" size=2>2012&nbsp;&nbsp;</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="90%"><B><FONT face="Times New Roman" size=2>&nbsp;&nbsp;Earnings </FONT></B><FONT face="Times New Roman" size=2>($ in</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 style="BORDER-RIGHT: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="90%"><FONT face="Times New Roman" size=2><STRONG>&nbsp;&nbsp;</STRONG>thousands, except per</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 style="BORDER-RIGHT: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="90%"><FONT face="Times New Roman" size=2><STRONG>&nbsp;&nbsp;</STRONG>share data)</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 style="BORDER-RIGHT: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="90%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;Net income available to</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>13,036</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>10,167</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>5,710</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>4,369</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>2,758<STRONG>&nbsp;&nbsp;</STRONG></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="90%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;common shareholders</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 style="BORDER-RIGHT: #000000 1pt solid" noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid" noWrap align=left width="90%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;Earnings per common</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1.94</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1.55</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>1.10</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=2>0.98</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD style="BORDER-RIGHT: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>0.64<STRONG>&nbsp;&nbsp;</STRONG></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-RIGHT: #000000 1pt solid; BORDER-LEFT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="90%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;share, diluted</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="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="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-RIGHT: #000000 1pt solid; BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="1%"></TD></TR></TABLE></DIV><br>
<DIV align=center><FONT face="Times New Roman" size=2>S-7</FONT></DIV></div><BR>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<div STYLE="border: 1PT SOLID #000000; PADDING: 15PT">
<DIV ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2><STRONG><EM>Growth
Attributes</EM></STRONG>. Despite ongoing challenges presented by the economic,
regulatory and competitive environment in which we operate, we have achieved
impressive growth in both retail deposits and organic loans in each of our four
markets with established branches by leveraging our ClientFIRST relationship model to deepen current
client relationships and attract new client relationships. Our loan balances
have increased 17% to $1.22 billion as of March 31, 2017 compared to $1.04
billion at March 31, 2016. Likewise our core deposits have increased 17% to $1.0
billion as of March 31, 2017 compared to $854 million at March 31, 2016. One of
our growth goals is to continue to fund our loan demand with local retail
deposits in our markets. Furthermore, the growth of low-cost deposits is an
important aspect of our strategic plan and we have taken steps, including
emphasizing various technology solutions to grow our low-cost deposits. In
furtherance of our commitment to grow our local retail deposits, in 2015, we
hired Tricia P. Springfield to serve as Executive Vice President and Chief
Retail Officer to help drive our deposit growth. We are proud of our growth
results as seen in the table below, which shows growth for the twelve months
ended March 31, 2017:</FONT><B><FONT face="Times New Roman" size=2>
</FONT></B></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="89%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>LTM</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="2%" colSpan=2></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>LTM Retail</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="2%" colSpan=2></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="89%"><B><FONT face="Times New Roman" size=2>Market</FONT></B></TD>
    <TD noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Loan Growth</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>LTM Growth
    Rate</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>Deposit
    Growth</FONT></B></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="2%" colSpan=2><B><FONT face="Times New Roman" size=2>LTM Growth
    Rate</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="89%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="2%" colSpan=2><FONT face="Times New Roman" size=2>(Dollars in Thousands)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%" colSpan=2></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="TEXT-ALIGN: center" noWrap width="2%" colSpan=2><FONT face="Times New Roman" size=2>(Dollars in Thousands)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%" colSpan=2></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="89%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Greenville</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>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>46,842</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>7.5%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2></FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$&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;</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>67,852</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>11.9%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="89%"><FONT face="Times New Roman" size=2>Columbia</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>24,402</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%" colSpan=2><FONT face="Times New Roman" size=2>11.8%</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>25,168</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%" colSpan=2><FONT face="Times New Roman" size=2>11.3%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="89%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Charleston</FONT></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>82,239</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>40.6%</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=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>58,379</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>36.2%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="89%"><FONT face="Times New Roman" size=2>Raleigh</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>26,335</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" ><FONT size=2>100.0%</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 style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=2>15,830</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=right width="1%" ><FONT size=2>100.0%</FONT></TD></TR>
  <TR>
    <TD width="101%" colSpan=13>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="89%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Total</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>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>179,818</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>17.3%</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2></FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>167,229</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0 colSpan=2><FONT face="Times New Roman" size=2>17.6%</FONT></TD></TR></TABLE><BR>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><I><FONT face="Times New Roman" size=2>Asset Quality
Ratios</FONT></I></B><FONT face="Times New Roman" size=2>. We emphasize a
disciplined credit culture based on intimate client and market knowledge and
sound underwriting standards. The results of our focus on credit quality are
evidenced by a ratio of non-performing assets to total assets of 0.47% at March
31, 2017 and 0.46% at December 31, 2016, and a net charge-offs to average total
loans ratio of 0.02% annualized for the three months ended March 31, 2017 and
0.10% for the year ended December 31, 2016. Our ratio of allowance for loan
losses to total loans was 1.25% at March 31, 2017 and 1.28% at December 31,
2016, while our ratio of allowance for loan losses to non-performing loans was
247% at March 31, 2017 and 271% at December 31, 2016.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We believe that our simple and
efficient ClientFIRST model, coupled with our attractive markets and experienced
and dedicated management team, board of directors and employees, will allow us
to continue our profitable and fundamentally sound growth while facilitating
value creation for our shareholders. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Additional
Information</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our principal executive
offices are located at 100 Verdae Blvd., Greenville, South Carolina 29607, and
the telephone number is (864) 679-9000. Our website is www.southernfirst.com.
The information on our website does not constitute a part of, and is not
incorporated by reference in, this prospectus. </FONT></P>
<DIV align=center><FONT face="Times New Roman" size=2>S-8</FONT></DIV></div><br>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<div STYLE="border: 1PT SOLID #000000; PADDING: 15PT">
<DIV align=center><A NAME="THEOFFERING"></A><B><FONT face="Times New Roman" size=2>THE OFFERING
</FONT></B></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="20%"><I><FONT face="Times New Roman" size=2>Issuer</FONT></I></TD>
    <TD vAlign=top noWrap align=left width="1%"><EM><FONT size=2 face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></EM></TD>
    <TD vAlign=top align=left width="79%">
      <P align=left><FONT face="Times New Roman" size=2>Southern First
      Bancshares, Inc. </FONT></P></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="20%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%"></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="20%"><I><FONT face="Times New Roman" size=2>Shares offered</FONT></I></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%">
      <P align=left><FONT face="Times New Roman" size=2>700,000 shares of
      common stock, par value $0.01 per share<SUP>(1)</SUP> </FONT></P></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="20%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%"></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="20%"><I><FONT face="Times New Roman" size=2>Offering price</FONT></I></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%">
      <P align=left><FONT face="Times New Roman" size=2>$
      &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;per share </FONT></P></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="20%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%"></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="20%"><I><FONT face="Times New Roman" size=2>Option to purchase additional
      shares</FONT></I></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%">
      <P align=left><FONT face="Times New Roman" size=2>We have granted the
      underwriter an option to purchase up to an additional 15 percent of the offered amount of
      common stock within 30 days of the date of this prospectus supplement.
      </FONT></P></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="20%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%"></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="20%"><I><FONT face="Times New Roman" size=2>Shares outstanding after completion
      of<BR>the offering</FONT></I></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%">
      <P align=left><FONT face="Times New Roman" size=2>7,180,164<SUP>(2)</SUP></FONT></P></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="20%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%"></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="20%"><I><FONT face="Times New Roman" size=2>Use of proceeds</FONT></I></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%">
      <P align=left><FONT face="Times New Roman" size=2>We intend to use the
      proceeds of the offering to improve our capital structure, including by
      repaying our $10 million holding company line of credit, which as of March
      31, 2017 was fully drawn, to fund future organic growth and for working
      capital and other general corporate purposes. See &#147;Use of Proceeds&#148; on
      page S-17. </FONT></P></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="20%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%"></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="20%"><I><FONT face="Times New Roman" size=2>Trading market</FONT></I></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%">
      <P align=left><FONT face="Times New Roman" size=2>Our common stock is
      traded on The NASDAQ Global Market. </FONT></P></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="20%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%"></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="20%"><I><FONT face="Times New Roman" size=2>Trading symbol</FONT></I></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%">
      <P align=left><FONT face="Times New Roman" size=2>SFST </FONT></P></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="20%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%"></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="20%"><I><FONT face="Times New Roman" size=2>Dividends and
    distributions</FONT></I></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%">
      <P align=left><FONT face="Times New Roman" size=2>We have not declared or
      paid any cash dividends on our common stock since our inception. For the
      foreseeable future, we do not intend to declare cash dividends. We intend
      to retain earnings to grow our business and strengthen our capital base.
      For additional information, see &#147;Risk Factors &#151; Risks Related to Our
      Common Stock and this Offering&#148; and &#147;Market for Common Stock and Our
      Dividend Policy.&#148; </FONT></P></TD></TR>
  <TR>
    <TD vAlign=top noWrap align=left width="20%">&nbsp;</TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%"></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top noWrap align=left width="20%"><I><FONT face="Times New Roman" size=2>Risk factors</FONT></I></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top align=left width="79%">
      <P align=left><FONT face="Times New Roman" size=2>Investing in our common
      stock involves risks. You should carefully consider the information under
      &#147;Risk Factors&#148; beginning on page S-13 and the other information included
      or incorporated by reference in this prospectus supplement and the
      accompanying prospectus before investing in our common stock.
    </FONT></P></TD></TR></TABLE><DIV>____________________</DIV><BR>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt"><FONT face="Times New Roman" size=2>(1)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>The number of shares
      offered assumes that the underwriter&#146;s purchase option is not exercised.
      If the purchase option is exercised in full, we will issue and sell 805,000 shares.</FONT></TD></TR>
    <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt">&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt"><FONT face="Times New Roman" size=2>(2)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>The number of shares
      outstanding after the offering is based on 6,480,164 shares of common
      stock outstanding as of April 25, 2017, and excludes 105,000 shares
      issuable pursuant to the exercise of the underwriter&#146;s purchase option. It
      also excludes an aggregate of 713,853 shares reserved for issuance
      under our equity compensation plans subject to outstanding
    awards.</FONT></TD></TR></TABLE><br>
<DIV align=center><FONT face="Times New Roman" size=2>S-9</FONT></DIV></div><br>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<div STYLE="border: 1PT SOLID #000000; PADDING: 15PT">
<DIV align=center><B><FONT face="Times New Roman" size=2><A NAME="SELECTEDHISTORICALFINANCIALDATA"></A>SELECTED HISTORICAL
FINANCIAL DATA </FONT></B></DIV><br>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The following table sets forth
selected historical consolidated financial data for the Company as of and for
each of the five years ended December 31, 2016 (which has been derived from our
audited consolidated financial statements), and as of and for the three months
ended March 31, 2017 and 2016. You should read this table together with the
historical consolidated financial information contained in our consolidated
financial statements and related notes and &#147;Management&#146;s Discussion and Analysis
of Financial Condition and Results of Operation&#148; included in our Annual Report
on Form 10-K for the year ended December 31, 2016 and our Quarterly Report on
Form 10-Q for the quarter ended March 31, 2017, which have been filed with the
SEC and are incorporated by reference in this prospectus supplement. Information
for the three-month periods ended March 31, 2017 and 2016 is derived from
unaudited interim financial statements and has been prepared on the same basis
as our audited financial statements and includes, in the opinion of management,
all adjustments, consisting of only normal recurring adjustments, necessary to
present fairly the data for such period. The results of operations for the
three-month period ended March 31, 2017 do not necessarily indicate the results
that may be expected for any future period or for the full year.</FONT></P>
<DIV align=center><FONT face="Times New Roman" size=2>S-10</FONT></DIV></div><br>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<div STYLE="border: 1PT SOLID #000000; PADDING: 15PT">
<TABLE style="LINE-HEIGHT: 11pt; BORDER-COLLAPSE: collapse" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD style="BORDER-TOP: #000000 1.5pt solid" noWrap align=left width="79%"></TD>
    <TD style="BORDER-TOP: #000000 1.5pt solid" noWrap align=center width="1%"></TD>
    <TD style="BORDER-TOP: #000000 1.5pt solid; BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=center width="5%" colSpan=5><B><FONT face="Times New Roman" size=1>Three Months ended March 31,</FONT></B></TD>
    <TD style="BORDER-TOP: #000000 1.5pt solid; BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=center width="1%"></TD>
    <TD style="BORDER-TOP: #000000 1.5pt solid; BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=center width="14%" colSpan=14><B><FONT face="Times New Roman" size=1>Years Ended December 31,</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="79%"><FONT face="Times New Roman" size=1>(dollars in
      thousands, except per share data)</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=center width="1%">&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=center width="2%" colSpan=2><B><FONT face="Times New Roman" size=1>2017</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=center width="1%">&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=center width="2%" colSpan=2><B><FONT face="Times New Roman" size=1>2016</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=center width="1%">&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=center width="2%" colSpan=2><B><FONT face="Times New Roman" size=1>2016</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=center width="1%">&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=center width="2%" colSpan=2><B><FONT face="Times New Roman" size=1>2015</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=center width="1%">&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=center width="2%" colSpan=2><B><FONT face="Times New Roman" size=1>2014</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=center width="1%">&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=center width="2%" colSpan=2><B><FONT face="Times New Roman" size=1>2013</FONT></B></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=center width="1%">&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=center width="2%" colSpan=2><B><FONT face="Times New Roman" size=1>2012</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=1>BALANCE SHEET DATA</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>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=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="79%"><FONT face="Times New Roman" size=1>Total assets</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,467,938</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,239,317</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,340,908</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,217,293</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1,029,865</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;890,831</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;797,998</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Investment securities</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>68,359</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>82,805</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>70,222</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>95,471</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>61,546</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>73,556</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>86,016</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><FONT face="Times New Roman" size=1>Loans (1)</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1,218,680</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1,038,862</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1,163,644</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1,004,944</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>871,446</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>733,656</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>645,949</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Allowance for loan losses</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>15,287</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>13,898</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>14,855</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>13,629</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>11,752</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>10,213</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>9,091</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><FONT face="Times New Roman" size=1>Deposits</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1,211,274</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1,003,241</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1,091,151</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>985,733</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>788,907</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>680,319</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>576,299</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>FHLB advances and other
      borrowings</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>117,700</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>115,200</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>115,200</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>115,200</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>135,200</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>124,100</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>124,100</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><FONT face="Times New Roman" size=1>Junior subordinated debentures</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>13,403</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>13,403</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>13,403</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>13,403</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>13,403</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>13,403</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>13,403</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Common equity</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>113,566</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>98,295</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>109,872</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>94,240</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>82,992</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>50,366</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>47,826</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><FONT face="Times New Roman" size=1>Preferred stock</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>-</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>-</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>-</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>-</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>-</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>15,299</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>16,299</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="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Shareholders&#146;
      equity</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>113,566</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=right 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=1>98,295</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=right 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=1>109,872</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=right 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=1>94,240</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=right 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=1>82,992</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=right 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=1>65,665</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=right 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=1>64,125</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><B><FONT face="Times New Roman" size=1>SELECTED RESULTS OF</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>
    <TD noWrap 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="79%"><B><FONT face="Times New Roman" size=1>OPERATIONS DATA</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>
    <TD noWrap 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="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Interest income</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>13,959</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>12,329</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>51,191</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>46,030</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>39,948</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>36,118</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>34,698</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="79%"><FONT face="Times New Roman" size=1>Interest
      expense</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%"><FONT face="Times New Roman" size=1>2,352</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="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=1>2,022</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="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=1>8,192</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="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=1>7,501</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="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=1>6,908</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="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=1>7,097</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="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=1>8,702</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="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Net interest income</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>11,607</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>10,307</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>42,999</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>38,529</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>33,040</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>29,021</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>25,996</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="79%"><FONT face="Times New Roman" size=1>Provision for loan
      losses</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%"><FONT face="Times New Roman" size=1>500</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="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=1>625</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="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=1>2,300</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="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=1>3,200</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="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=1>4,175</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="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=1>3,475</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="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=right width="1%"><FONT face="Times New Roman" size=1>4,550</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="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Net interest income after provision for
      loan</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>11,107</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>9,682</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>40,699</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>35,329</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>28,865</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>25,546</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>21,446</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>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="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=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="79%"><FONT face="Times New Roman" size=1>Noninterest income</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>2,051</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>2,559</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>10,846</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>8,416</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>5,780</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>3,802</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>3,762</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="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Noninterest
      expenses</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>8,360</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=right 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=1>7,517</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=right 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=1>31,176</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=right 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=1>28,209</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=right 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=1>24,907</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=right 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=1>21,812</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=right 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=1>19,513</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><FONT face="Times New Roman" size=1>Income before income tax expense</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>4,798</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>4,724</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>20,369</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>15,536</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>9,738</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>7,536</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>5,695</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="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Income tax
      expense</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>1,686</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=right 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=1>1,718</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=right 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=1>7,333</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=right 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=1>5,369</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=right 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=1>3,113</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=right 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=1>2,416</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=right 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=1>1,833</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><FONT face="Times New Roman" size=1>Net income</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>3,112</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>3,006</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>13,036</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>10,167</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>6,625</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>5,120</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>3,862</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Preferred stock dividends</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>-</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>-</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>-</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>-</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>915</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>771</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>840</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><FONT face="Times New Roman" size=1>Discount accretion</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>-</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>-</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>-</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>-</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>-</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>-</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>360</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="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Redemption of
      preferred stock</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>-</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=right 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=1>-</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=right 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=1>-</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=right 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=1>-</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=right 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=1>-</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=right 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=1>(20</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>)</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>(96</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>)</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><FONT face="Times New Roman" size=1>Net income available to common</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>3,112</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>3,006</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>13,036</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>10,167</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>5,710</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>4,369</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>2,758</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="79%"><FONT face="Times New Roman" size=1>shareholders</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=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=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=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=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=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=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></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=1>PER COMMON SHARE DATA (2)</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>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=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="79%"><FONT face="Times New Roman" size=1>Basic</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>0.48</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>0.48</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>2.06</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1.64</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1.15</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1.02</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>0.65</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Diluted</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>0.46</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>0.45</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>1.94</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>1.55</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>1.10</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>0.98</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>0.64</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><FONT face="Times New Roman" size=1>Book value</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>17.53</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>15.49</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>17.00</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>14.98</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>13.34</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>11.66</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>11.26</FONT></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Weighted average number of
    common</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=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="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>shares 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>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><FONT face="Times New Roman" size=1>Basic, in thousands</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>6,437</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>6,273</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>6,318</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>6,205</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>4,981</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>4,280</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>4,230</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="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Diluted, in
      thousands</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="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>6,830</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=right 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=1>6,663</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=right 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=1>6,721</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=right 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=1>6,561</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=right 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=1>5,201</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=right 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=1>4,459</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=right 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=1>4,340</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1.5pt solid" noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><B><FONT face="Times New Roman" size=1>SELECTED FINANCIAL RATIOS</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>
    <TD noWrap 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="79%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=1>Performance Ratios:</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>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=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="79%"><FONT face="Times New Roman" size=1>Return on average assets (7)</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>0.92</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1.00</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1.04</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>0.90</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>0.69</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>0.61</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>0.50</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Return on average equity (7)</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>11.27</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>12.47</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>12.73</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>11.42</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>8.92</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>7.88</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>6.03</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><FONT face="Times New Roman" size=1>Return on average common equity</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>11.27</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>12.47</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>12.73</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>11.42</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>12.03</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>8.81</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>5.79</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Net interest margin, tax
      equivalent(3)</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>3.61</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>3.64</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>3.63</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>3.63</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>3.68</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>3.71</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>3.61</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><FONT face="Times New Roman" size=1>Efficiency ratio (4)</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>61.21</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>58.42</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>57.90</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>60.09</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>64.16</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>66.45</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>65.57</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=22>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=1>Asset Quality Ratios:</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>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=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="79%"><FONT face="Times New Roman" size=1>Nonperforming assets to total loans (1)</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>0.56</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>0.82</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>0.53</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>0.90</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1.14</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1.29</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1.53</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Nonperforming assets to total
      assets</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>0.47</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>0.68</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>0.46</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>0.75</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>0.97</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>1.07</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>1.24</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><FONT face="Times New Roman" size=1>Net charge-offs to average total loans (8)</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>0.02</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>0.14</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>0.10</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>0.14</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>0.33</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>0.34</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>0.71</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Allowance for loan losses to
      nonperforming</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>247.43</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>224.56</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>270.95</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>205.98</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>176.72</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>122.50</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>111.32</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>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>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><FONT face="Times New Roman" size=1>Allowance for loan losses to total loans</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1.25</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1.34</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1.28</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1.36</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1.35</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1.39</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>1.41</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=22>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=1>Holding Company Capital
      Ratios:</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>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=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="79%"><FONT face="Times New Roman" size=1>Total risk-based capital ratio</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>11.93</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>11.89</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>12.11</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>11.95</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>12.51</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>12.22</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>13.05</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Tier 1 risk-based capital
    ratio</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>10.68</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>10.64</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>10.86</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>10.70</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>11.25</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>10.96</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>11.80</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><FONT face="Times New Roman" size=1>Leverage ratio</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>9.21</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>9.18</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>9.42</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>8.78</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>9.52</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>9.13</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>9.65</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Common equity tier 1 ratio(5)</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>9.58</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>9.39</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>9.71</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>9.40</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>7.76</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>7.09</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>7.25</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><FONT face="Times New Roman" size=1>Common equity(6)</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>7.74</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>7.93</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>8.19</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>7.74</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>8.06</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>5.65</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>5.99</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD></TR>
  <TR>
    <TD width="100%" colSpan=22>&nbsp;</TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=1>Growth Ratios</FONT></B><FONT face="Times New Roman" size=1>(9)</FONT><B><FONT face="Times New Roman" size=1>:</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>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=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="79%"><FONT face="Times New Roman" size=1>Change in assets</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>18.45</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>15.54</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>10.15</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>18.20</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>15.61</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>11.63</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>3.94</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Change in loans</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>17.31</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>14.25</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>15.79</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>15.32</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>18.78</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>13.94</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>7.86</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%"><FONT face="Times New Roman" size=1>Change in deposits</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>20.74</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>17.99</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>10.69</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>24.95</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>15.96</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>18.05</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>2.38</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>Change in net income to
common</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>17.91</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>66.86</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>28.22</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>78.06</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>30.69</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>58.41</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=right width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>192.16</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>%</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="79%" bgColor=#c0c0c0><FONT face="Times New Roman" size=1>shareholders</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=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="79%"><FONT face="Times New Roman" size=1>Change in earnings per common share -</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>16.07</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>42.37</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>25.16</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>40.91</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>12.24</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>53.13</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</FONT></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="1%"><FONT face="Times New Roman" size=1>190.91</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=1>%</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=1>diluted</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=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=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=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=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=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=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></TR></TABLE><BR>
<DIV align=center><FONT face="Times New Roman" size=2>S-11</FONT></diV></div><br>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<div STYLE="border: 1PT SOLID #000000; PADDING: 15PT">
<DIV align=left><U><FONT face="Times New Roman" size=2>Footnotes to
table:</FONT></U></dIV><br>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt"><FONT face="Times New Roman" size=2>(1)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>Excludes loans held
      for sale.</FONT></TD></TR>
  <TR>
    <TD colSpan=2><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD></TR>
  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt"><FONT face="Times New Roman" size=2>(2)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>Adjusted for all
      years presented giving retroactive effect to 10% stock dividends in 2012
      and 2013.</FONT></TD></TR>
  <TR>
    <TD colSpan=2><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD></TR>
  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt"><FONT face="Times New Roman" size=2>(3)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>The tax-equivalent
      adjustment to net interest income adjusts the yield for assets earning
      tax-exempt income to a comparable yield on a taxable basis.</FONT></TD></TR>
  <TR>
    <TD colSpan=2><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD></TR>
  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt"><FONT face="Times New Roman" size=2>(4)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>Noninterest expense
      divided by the sum of net interest income and noninterest
  income.</FONT></TD></TR>
  <TR>
    <TD colSpan=2><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD></TR>
  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt"><FONT face="Times New Roman" size=2>(5)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>The common equity
      tier 1 ratio is calculated as the sum of common equity divided by
      risk-weighted assets.</FONT></TD></TR>
  <TR>
    <TD colSpan=2><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD></TR>
  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt"><FONT face="Times New Roman" size=2>(6)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>The common equity
      ratio is calculated as total equity less preferred stock divided by total
      assets.</FONT></TD></TR>
  <TR>
    <TD colSpan=2><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD></TR>
  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt"><FONT face="Times New Roman" size=2>(7)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>Annualized based on
      quarterly net income.</FONT></TD></TR>
  <TR>
    <TD colSpan=2><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD></TR>
  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt"><FONT face="Times New Roman" size=2>(8)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>Year to date
      annualized.</FONT></TD></TR>
  <TR>
    <TD colSpan=2><FONT size=2 face="Times New Roman">&nbsp;</FONT></TD></TR>
  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt"><FONT face="Times New Roman" size=2>(9)</FONT></TD>
    <TD width="100%"><FONT face="Times New Roman" size=2>Ratios for periods
      ended March 31 are calculated based upon the twelve month periods ended
      March 31, 2017 and March 31, 2016,
respectively.</FONT></TD></TR></TABLE><br>
<diV align=center><FONT face="Times New Roman" size=2>S-12</FONT></DIV></div><br>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><B><A NAME="RISKFACTORS"></A><FONT face="Times New Roman" size=2>RISK FACTORS
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><I><FONT face="Times New Roman" size=2>An investment in our common
stock involves significant risks. You should consider carefully the risk factors
described below and the risk factors concerning our business included in our
Annual Report on Form 10-K for the period ended December 31, 2016, together with
all of the other information included in or incorporated by reference into this
prospectus supplement and the accompanying prospectus, as the same may be
updated from time to time by our future filings with the SEC under the Exchange
Act, before making a decision to invest in our common stock. The risks and
uncertainties described below are not the only ones we face. Additional risks
and uncertainties not presently known to us or that we currently deem immaterial
may also have a material adverse effect on our business, financial condition and
results of operations. If any of the matters included in the following
information about risk factors were to occur, our business, financial condition,
results of operations, cash flows or prospects could be materially and adversely
affected. In such case, you may lose all or a substantial part of your
investment.</FONT></I></P>
<P align=left><B><FONT face="Times New Roman" size=2>Risks Related to Our Common
Stock and this Offering </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><I><FONT face="Times New Roman" size=2>Our ability to pay cash
dividends is limited, and we may be unable to pay future dividends even if we
desire to do so. </FONT></I></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The Federal Reserve has issued
a policy statement regarding the payment of dividends by bank holding companies.
In general, the Federal Reserve&#146;s policies provide that dividends should be paid
only out of current earnings and only if the prospective rate of earnings
retention by the bank holding company appears consistent with the organization&#146;s
capital needs, asset quality and overall financial condition. The Federal
Reserve&#146;s policies also require that a bank holding company serve as a source of
financial strength to its subsidiary banks by standing ready to use available
resources to provide adequate capital funds to those banks during periods of
financial stress or adversity and by maintaining the financial flexibility and
capital-raising capacity to obtain additional resources for assisting its
subsidiary banks where necessary. In addition, under the prompt corrective
action regulations, the ability of a bank holding company to pay dividends may
be restricted if a subsidiary bank becomes undercapitalized. These regulatory
policies could affect the ability of the Company to pay dividends or otherwise
engage in capital distributions. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Statutory and regulatory
limitations apply to the Bank&#146;s payment of dividends to the Company. As a South
Carolina chartered bank, the Bank is subject to limitations on the amount of
dividends that it is permitted to pay. Unless otherwise instructed by the South
Carolina Board of Financial Institutions (the &#147;S.C. Board&#148;), the Bank is
generally permitted under South Carolina state banking regulations to pay cash
dividends of up to 100% of net income in any calendar year without obtaining the
prior approval of the S.C. Board. The FDIC also has the authority under federal
law to enjoin a bank from engaging in what in its opinion constitutes an unsafe
or unsound practice in conducting its business, including the payment of a
dividend under certain circumstances. If our Bank is not permitted to pay cash
dividends to the Company, it is unlikely that we would be able to pay cash
dividends on our common stock. Moreover, holders of our common stock are
entitled to receive dividends only when, and if declared by our board of
directors. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><I><FONT face="Times New Roman" size=2>We do not anticipate
paying any cash dividends in the foreseeable future. </FONT></I></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We have not historically paid
cash dividends and we currently intend to retain our future earnings, if any,
for the foreseeable future, to improve our capital structure and fund the
development and growth of our business. We do not intend to pay any dividends to
holders of our common stock following the offering. As a result, capital
appreciation in the price of our common stock, if any, will be your only source
of gain on an investment in our common stock. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><I><FONT face="Times New Roman" size=2>Management and our board
of directors have significant discretion over the investment of the offering
proceeds and may not be able to achieve acceptable returns on the proceeds from
the offering. </FONT></I></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We intend to use a portion of
the net proceeds from the offering to improve our capital structure, fund future
organic growth and for working capital and for other general corporate purposes.
We have not, however, identified specific amounts of proceeds for any of these
purposes and we will have significant flexibility in determining the amount of
net proceeds we apply to different uses and the timing of these applications.
Our shareholders may not agree with the manner in which our management chooses
to allocate and invest the net proceeds. Our failure to utilize these funds
effectively could reduce our profitability. We have not established a timetable
for the effective deployment of the proceeds on a long-term basis, and we cannot
predict how long we will need to deploy the proceeds effectively. Investing the
offering proceeds in securities until we are able to deploy the proceeds will
provide lower margins than we generally earn on loans, potentially adversely
affecting stockholder returns, including earnings per share, return on assets
and return on equity.&nbsp;</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>S-13</FONT></P>
<HR align=center width="100%" noShade size="2">

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><I><FONT face="Times New Roman" size=2>Our stock price may be
volatile, which could result in losses to our investors and litigation against
us. </FONT></I></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our stock price has been
volatile in the past and several factors could cause the price to fluctuate
substantially in the future. These factors include but are not limited to:
actual or anticipated variations in earnings, changes in analysts&#146;
recommendations or projections, our announcement of developments related to our
businesses, operations and stock performance of other companies deemed to be
peers, new technology used or services offered by traditional and
non-traditional competitors, news reports of trends, irrational exuberance on
the part of investors, new federal banking regulations or the prospect of
reduction of such regulations, and other issues related to the financial
services industry. Our stock price may fluctuate significantly in the future,
and these fluctuations may be unrelated to our performance. General market
declines or market volatility in the future, especially in the financial
institutions sector, could adversely affect the price of our common stock, and
the current market price may not be indicative of future market prices. Stock
price volatility may make it more difficult for you to resell your common stock
when you want and at prices you find attractive. Moreover, in the past,
securities class action lawsuits have been instituted against some companies
following periods of volatility in the market price of its securities. We could
in the future be the target of similar litigation. Securities litigation could
result in substantial costs and divert management&#146;s attention and resources from
our normal business. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><I><FONT face="Times New Roman" size=2>Future sales of our
stock by our shareholders or the perception that those sales could occur may
cause our stock price to decline. </FONT></I></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Although our common stock is
listed for trading on The NASDAQ Global Market, the trading volume in our common
stock is lower than that of other larger financial services companies. A public
trading market having the desired characteristics of depth, liquidity and
orderliness depends on the presence in the marketplace of willing buyers and
sellers of our common stock at any given time. This presence depends on the
individual decisions of investors and general economic and market conditions
over which we have no control. Given the relatively low trading volume of our
common stock, significant sales of our common stock in the public market, or the
perception that those sales may occur, could cause the trading price of our
common stock to decline or to be lower than it otherwise might be in the absence
of those sales or perceptions. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><I><FONT face="Times New Roman" size=2>Economic and other
circumstances may require us to raise capital at times or in amounts that are
unfavorable to us. If we have to issue shares of common stock, they will dilute
the percentage ownership interest of existing shareholders and may dilute the
book value per share of our common stock and adversely affect the terms on which
we may obtain additional capital. </FONT></I></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may need to incur
additional debt or equity financing in the future to make strategic acquisitions
or investments or to strengthen our capital position. Our ability to raise
additional capital, if needed, will depend on, among other things, conditions in
the capital markets at that time, which are outside of our control and our
financial performance. We cannot provide assurance that such financing will be
available to us on acceptable terms or at all, or if we do raise additional
capital that it will not be dilutive to existing shareholders. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>If we determine, for any
reason, that we need to raise capital, subject to applicable NASDAQ rules, our
board generally has the authority, without action by or vote of the
shareholders, to issue all or part of any authorized but unissued shares of
stock for any corporate purpose, including issuance of equity-based incentives
under or outside of our equity compensation plans. Additionally, we are not
restricted from issuing additional common stock or preferred stock, including
any securities that are convertible into or exchangeable for, or that represent
the right to receive, common stock or preferred stock or any substantially
similar securities. The market price of our common stock could decline as a
result of sales by us of a large number of shares of common stock or preferred
stock or similar securities in the market or from the perception that such sales
could occur. If we issue preferred stock that has a preference over the
common stock with respect to the payment of dividends or upon liquidation,
dissolution or winding-up, or if we issue preferred stock with voting rights
that dilute the voting power of the common stock, the rights of holders of the
common stock or the market price of our common stock could be adversely
affected. Any issuance of additional shares of stock will dilute the percentage
ownership interest of our shareholders and may dilute the book value per share
of our common stock. Shares we issue in connection with any such offering will
increase the total number of shares and may dilute the economic and voting
ownership interest of our existing shareholders.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>S-14</FONT></P>
<HR align=center width="100%" noShade size="2">

<!--PART 03-->
<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><I><FONT face="Times New Roman" size=2>Provisions of our
articles of incorporation and bylaws, South Carolina law, and state and federal
banking regulations, could delay or prevent a takeover by a third party.
</FONT></I></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our articles of incorporation
and bylaws could delay, defer, or prevent a third party takeover, despite
possible benefit to the shareholders, or otherwise adversely affect the price of
our common stock. Our governing documents: </FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">authorize a class of preferred stock that may be issued
      in series with terms, including voting rights, established by the board of
      directors without shareholder approval;<BR>
&nbsp;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">authorize 10,000,000 shares of common stock and
      10,000,000 shares of preferred stock that may be issued by the board of
      directors without shareholder approval; <BR>
&nbsp;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">classify our board with staggered three year terms,
      preventing a change in a majority of the board at any annual meeting; <BR>

  &nbsp;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">require advance notice of proposed nominations for
      election to the board of directors and business to be conducted at a
      shareholder meeting; <BR>
&nbsp;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">grant the board of directors the discretion, when
      considering whether a proposed merger or similar transaction is in the
      best interests of the Company and our shareholders, to take into account
      the effect of the transaction on the employees, clients and suppliers of
      our Company and upon the communities in which offices of the Company are
      located, to the extent permitted by South Carolina law; <BR>
&nbsp;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">provide that the number of directors shall be fixed from
      time to time by resolution adopted by a majority of the directors then in
      office, but may not consist of fewer than five nor more than 25 members;
      and <BR>
&nbsp;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">provide that no individual who is or becomes a "business
      competitor" or who is or becomes affiliated with, employed by, or a
      representative of any individual, corporation, or other entity which the
      board of directors, after having such matter formally brought to its
      attention, determines to be in competition with us or any of our
      subsidiaries (any such individual, corporation, or other entity being a
      "business competitor") shall be eligible to serve as a director if the
      board of directors determines that it would not be in our best interests
      for such individual to serve as a director (any financial institution
      having branches or affiliates within Greenville County, South Carolina is
      presumed to be a business competitor unless the board of directors
      determines otherwise).</TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>In addition, the South
Carolina business combinations statute provides that a 10% or greater
shareholder of a resident domestic corporation cannot engage in a "business
combination" (as defined in the statute) with such corporation for a period of
two years following the date on which the 10% shareholder became such, unless
the business combination or the acquisition of shares is approved by a majority
of the disinterested members of such corporation's board of directors before the
10% shareholder's share acquisition date. This statute further provides that at
no time (even after the two-year period subsequent to such share acquisition
date) may the 10% shareholder engage in a business combination with the relevant
corporation unless certain approvals of the board of directors or disinterested
shareholders are obtained or unless the consideration given in the combination
meets certain minimum standards set forth in the statute. The law is very broad
in its scope and is designed to inhibit unfriendly acquisitions but it does not
apply to corporations whose articles of incorporation contain a provision
electing not to be covered by the law. Our articles of incorporation do not
contain such a provision. An amendment of our articles of incorporation to that
effect would, however, permit a business combination with an interested
shareholder even though that status was obtained prior to the
amendment.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>S-15</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Finally, the Change in Bank
Control Act of 1978 and the Bank Holding Company Act of 1956 generally require
filings and approvals prior to certain transactions that would result in a party
acquiring control of the Company or the Bank.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><I><FONT face="Times New Roman" size=2>An investment in our
common stock is not an insured deposit. </FONT></I></B><FONT face="Times New Roman" size=2></FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>An investment in our common
stock is not a bank deposit and is not insured or guaranteed by the FDIC or any
other government agency. Your investment in our common stock will be subject to
investment risk and you may lose all or part of your investment.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><I><FONT face="Times New Roman" size=2>Our common stock is
equity and is therefore subordinate to our existing and future indebtedness and
preferred stock. </FONT></I></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Shares of common stock are
equity interests and do not constitute indebtedness. As such, shares of common
stock will rank junior to all of our indebtedness and to other non-equity claims
against us and our assets available to satisfy claims against us, including in
our liquidation. Additionally, holders of our common stock are subject to the
prior dividend and liquidation rights of holders of our outstanding preferred
stock. Our board of directors is authorized to issue classes or series of
preferred stock without any action on the part of the holders of our common
stock and we are permitted to incur additional debt. Upon liquidation, lenders
and holders of our debt securities and preferred stock would receive
distributions of our available assets prior to holders of our common stock.
</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><I><FONT face="Times New Roman" size=2>Resales of shares of our
common stock in the public market following this offering may cause their market
price to fall. </FONT></I></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We are issuing shares of our
common stock in this offering. This issuance of these new shares of common stock
could have the effect of depressing the market price for shares of our common
stock. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>S-16</FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2><A NAME="UseofProceeds"></A>USE OF PROCEEDS
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We estimate that the net
proceeds from the sale of our common stock in the offering, after underwriting
discounts and estimated expenses, will be approximately $ &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;million. If the
underwriter exercises its purchase option in full, we estimate that our net
proceeds, after underwriting discounts and expenses, will be approximately $
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; million. In each case, this assumes the deduction of the estimated underwriting
discount as well as estimated offering expenses of $250,000. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We intend to use the net
proceeds of the offering to improve our capital structure, including by repaying
our holding company line of credit, to fund future organic growth and for
working capital and other general corporate purposes. The holding company line
of credit is an unsecured, interest only line of credit for $10 million with
another financial institution, and as of March 31, 2017 was fully drawn. The
holding company line of credit bears interest at LIBOR plus 2.90% with a floor
of 3.25% and a ceiling of 5.15% and matures on June 6, 2017. We primarily used
the proceeds from the holding company line of credit to increase the Bank&#146;s
capital as well as for our general corporate purposes.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>S-17</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2><A NAME="Capitalization"></A>CAPITALIZATION
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The following table sets forth
our unaudited consolidated capitalization as of March 31, 2017. Our
capitalization is presented: </FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">on an actual basis; and<BR>
&nbsp;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">on an as adjusted basis to give effect to (i)
      the sale of 700,000 shares of common stock, based on an assumed public
      offering price of $32.80 per share, the last reported sale price
      of our common stock on The NASDAQ Global Market on April 25, 2017, as if
      the offering had been completed as of March 31, 2017 (assuming the net
      proceeds of the offering are $21.1 million, after deducting the estimated
      underwriting discount as well as estimated offering expenses of $250,000,
      and the underwriter&#146;s purchase option is not exercised); and (ii)
      the repayment of the $10 million holding company line of credit, which as
      of March 31, 2017 was fully drawn, utilizing a portion of the net proceeds
      from this offering. </TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The following information
should be read in conjunction with our consolidated financial statements for the
year ended December 31, 2016, and the notes thereto, and our &#147;Management&#146;s
Discussion and Analysis of Financial Condition and Results of Operation&#148;
included in our Annual Report on Form 10-K for the year ended December 31, 2016,
and the unaudited consolidated financial statements and the notes thereto, and
our &#147;Management&#146;s Discussion and Analysis of Financial Condition and Results of
Operation&#148; included in our Quarterly Report on Form 10-Q for the period ended
March 31, 2017, incorporated by reference herein.</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 noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="10%" colSpan=7><B><FONT face="Times New Roman" size=2>March 31,
      2017</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"></TD>
    <TD noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="2%"></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD noWrap style="text-align: center" width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>As Adjusted for this</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="4%" colSpan=3><B><FONT face="Times New Roman" size=2>Actual</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="5%" colSpan=3><B><FONT face="Times New Roman" size=2>Offering</FONT></B><B><FONT face="Times New Roman" size=2><SUP>(3)</SUP></FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Long-term
      Indebtedness<SUP>(1)</SUP></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="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="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>Junior subordinated debentures<SUP>(2)</SUP></FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>13,403</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="3%"><FONT face="Times New Roman" size=2>13,403</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>Holding company line of credit</FONT></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>10,000</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>-</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR>
    <TD width="99%" bgColor=#c0c0c0 colSpan=9>&nbsp;&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"><B><FONT face="Times New Roman" size=2>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="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="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>Preferred stock, par value $.01 per share, 10,000,000
      shares</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>authorized, none issued and outstanding</FONT></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>-</FONT></TD>
    <TD noWrap align=left width="1%" 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>-</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>Common stock, par value $.01 per share, 10,000,000
      shares</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="3%"></TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"><FONT face="Times New Roman" size=2>authorized, 6,480,164 issued and outstanding (actual),
      and</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="3%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"><FONT face="Times New Roman" size=2>7,180,164 shares issued and outstanding (as
    adjusted)</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>65</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=right width="3%"><FONT face="Times New Roman" size=2>72</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>Nonvested restricted stock</FONT></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>(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>(669</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>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="2%"><FONT face="Times New Roman" size=2>73,865</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>95,363</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>Accumulated other comprehensive loss</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>(347</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>(347</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>Retained earnings</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="2%"><FONT face="Times New Roman" size=2>40,652</FONT></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; border-bottom: Black 1pt solid"></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>40,652</FONT></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; border-bottom: Black 1pt solid"></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; Total 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="2%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      &nbsp;&nbsp;&nbsp; &nbsp;&nbsp;113,566</FONT></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: #c0c0c0; border-bottom: Black 2pt double"></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>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="3%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
      135,071</FONT></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: #c0c0c0; border-bottom: Black 2pt double"></TD></TR>
  <TR>
    <TD width="99%" bgColor=#c0c0c0 colSpan=9>&nbsp;&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%"><FONT face="Times New Roman" size=2>Book
      value per common share</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 2pt double" noWrap align=right width="2%"><FONT face="Times New Roman" size=2>17.53</FONT></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; border-bottom: Black 2pt double"></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>18.81</FONT></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; border-bottom: Black 2pt double"></TD></TR>
  <TR>
    <TD width="99%" colSpan=9>&nbsp;&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="88%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Holding Company
      Capital Ratios:</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="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="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>Total risk-based capital ratio </FONT><FONT face="Times New Roman" size=2><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>11.93</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="3%"><FONT face="Times New Roman" size=2>13.71</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="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Tier
      1 risk-based capital ratio </FONT><FONT face="Times New Roman" size=2><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>10.68</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>12.46</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>Leverage Ratio</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>9.21</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>10.68</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="88%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Common equity Tier 1 ratio </FONT><FONT face="Times New Roman" size=2><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>9.58</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>11.37</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>Common equity</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>7.74</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>9.13</FONT></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>%</FONT></TD></TR></TABLE>
    <div>____________________</div>
    <BR>
<P align=left><FONT face="Times New Roman" size=2><SUP>(1)</SUP> The Company
does not consider Federal Home Loan Bank advances, federal funds purchased and
demand repurchase agreements to be long-term debt. <BR><BR>
</FONT><FONT face="Times New Roman" size=2><SUP>(2)</SUP> Consists of debt associated with
trust preferred securities and subordinated debt in the aggregate amount of
$13.4 million. <BR><BR>
</FONT><FONT face="Times New Roman" size=2><SUP>(3)</SUP>
Includes common stock offering of 700,000 shares at $32.80 offering price, net
of estimated offering costs of $1.43 million<BR><BR>
</FONT><FONT face="Times New Roman" size=2><SUP>(4)</SUP> As adjusted assumes net proceeds from
the offering are invested in assets with a 20% risk-weighting. </FONT></P>

<P align=center><FONT face="Times New Roman" size=2>S-18</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><A NAME="MarketforCommonStockandOurDividendPolicy"></A><B><FONT face="Times New Roman" size=2>MARKET FOR COMMON STOCK
AND OUR DIVIDEND POLICY </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our common stock is listed for
trading on The NASDAQ Global Market under the symbol &#147;SFST.&#148; The table below
sets forth the high and low closing prices for the common stock for each
calendar quarter during 2015 and 2016, for the first quarter of 2017 and for the
second quarter of 2017 through April 25, 2017 (as adjusted for the 10% stock
dividends in 2015, 2016 and 2017).</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The closing sales price for
our common stock on April 25, 2017, as reported on The NASDAQ Global Market, was
$32.80 per share. As of March 27, 2017, the most recent date records were
available, there were 1,800 shareholders of record. As of April 25, 2017, the
most recent date records were available, there were 713,853 shares of common
stock subject to outstanding options or warrants to purchase, or securities
convertible into our common stock.</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="92%"></TD>
    <TD noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="3%" colSpan=2><B><FONT face="Times New Roman" size=2>High</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="3%" colSpan=2><B><FONT face="Times New Roman" size=2>Low</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD NOWRAP STYLE="text-align: left; width: 92%; background-color: Silver"><B><FONT face="Times New Roman" size=2>2017:</FONT></B></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"><B><FONT face="Times New Roman" size=2></FONT></B></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: left; width: 2%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: left; width: 2%; background-color: Silver"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Second Quarter (through
      April 25, 2017)</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT size=2 face="Times New Roman">$</FONT></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 32.80</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT size=2 face="Times New Roman">$</FONT></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 31.75</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD NOWRAP STYLE="text-align: left; width: 92%; background-color: Silver"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; First Quarter</FONT></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: right; width: 2%; background-color: Silver"><FONT face="Times New Roman" size=2>37.20</FONT></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: right; width: 2%; background-color: Silver"><FONT face="Times New Roman" size=2>32.30</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%"><B><FONT face="Times New Roman" size=2>2016:</FONT></B></TD>
    <TD noWrap align=left width="1%"><B><FONT face="Times New Roman" size=2></FONT></B></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></TR>
  <TR vAlign=bottom>
    <TD NOWRAP STYLE="text-align: left; width: 92%; background-color: Silver"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fourth Quarter</FONT></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; width: 2%; background-color: Silver"><FONT face="Times New Roman" size=2>36.15</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD NOWRAP STYLE="text-align: right; width: 2%; background-color: Silver"><FONT face="Times New Roman" size=2>26.00</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; Third Quarter</FONT></TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>29.21</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>24.94</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD NOWRAP STYLE="text-align: left; width: 92%; background-color: Silver"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Second Quarter</FONT></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: right; width: 2%; background-color: Silver"><FONT face="Times New Roman" size=2>25.81</FONT></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver">&nbsp;</TD>
    <TD NOWRAP STYLE="text-align: right; width: 2%; background-color: Silver"><FONT face="Times New Roman" size=2>23.71</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; First Quarter</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>25.74</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>21.66</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD NOWRAP STYLE="text-align: left; width: 92%; background-color: Silver"><B><FONT face="Times New Roman" size=2>2015:</FONT></B></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"><B><FONT face="Times New Roman" size=2></FONT></B></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: left; width: 2%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: left; width: 2%; background-color: Silver"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="92%"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Fourth Quarter</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>22.90</FONT></TD>
    <TD noWrap align=right width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>19.52</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD NOWRAP STYLE="text-align: left; width: 92%; background-color: Silver"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Third Quarter</FONT></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: right; width: 2%; background-color: Silver"><FONT face="Times New Roman" size=2>21.22</FONT></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: right; width: 2%; background-color: Silver"><FONT face="Times New Roman" size=2>17.77</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; Second Quarter</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>18.24</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>17.00</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD NOWRAP STYLE="text-align: left; width: 92%; background-color: Silver"><FONT face="Times New Roman" size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; First Quarter</FONT></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: right; width: 2%; background-color: Silver"><FONT face="Times New Roman" size=2>18.00</FONT></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: left; width: 1%; background-color: Silver"></TD>
    <TD NOWRAP STYLE="text-align: right; width: 2%; background-color: Silver"><FONT face="Times New Roman" size=2>16.25</FONT></TD></TR></TABLE><BR>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We have not declared or paid
any cash dividends on our common stock since our inception. For the foreseeable
future, we do not intend to declare cash dividends. We intend to retain earnings
to grow our business and strengthen our capital base. Our ability to pay cash
dividends depends primarily on the ability of our Bank to pay dividends to us.
As a South Carolina chartered bank, the Bank is subject to limitations on the
amount of dividends that it is permitted to pay. Unless otherwise instructed by
the S.C. Board, the Bank is generally permitted under South Carolina state
banking regulations to pay cash dividends of up to 100% of net income in any
calendar year without obtaining the prior approval of the S.C. Board. The FDIC
also has the authority under federal law to enjoin a bank from engaging in what
in its opinion constitutes an unsafe or unsound practice in conducting its
business, including the payment of a dividend under certain circumstances.
</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>S-19</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2><A NAME="DescriptionofOurCapitalStock"></A>DESCRIPTION OF OUR
CAPITAL STOCK </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our articles of incorporation
authorize the issuance of capital stock consisting of 10,000,000 shares of
common stock, par value $0.01 per share, and 10,000,000 shares of preferred
stock, par value $0.01 per share. See &#147;Description of Common Stock&#148; and
&#147;Description of Preferred Stock&#148; on page 22 and 17, respectively, of the
accompanying prospectus and the information incorporated by reference therein
for additional information regarding our capital stock. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>S-20</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><B><A NAME="Underwriting"></A><FONT face="Times New Roman" size=2>UNDERWRITING
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We are offering the shares of
our common stock described in this prospectus supplement in an underwritten
offering in which Sandler O&#146;Neill &amp; Partners, L.P. (&#147;Sandler&#148; or the
&#147;underwriter&#148;) is acting as sole underwriter. We have entered into an
underwriting agreement with Sandler, dated April &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2017, with respect to the
shares of common stock being offered hereby. Subject to the terms and conditions
contained in the underwriting agreement, we have agreed to sell to the
underwriter, at the public offering price less the underwriting discount set
forth on the cover page of this prospectus supplement, all of the shares of
common stock being offered by this prospectus supplement.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The underwriting agreement
provides that the underwriter&#146;s obligation to purchase shares of our common
stock depends on the satisfaction of the conditions contained in the
underwriting agreement, including:</FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">the representations and warranties made by us
      are true and agreements have been performed; <BR>
&nbsp;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">there is no material adverse change in the
      financial markets or in our business; and <BR>
&nbsp;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">we deliver customary closing
  documents.</TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Subject to these conditions,
the underwriter is committed to purchase and pay for all shares of our common
stock offered by this prospectus supplement, if any such shares are taken.
However, the underwriter is not obligated to take or pay for the shares of our
common stock covered by the underwriter&#146;s purchase option described below,
unless and until such option is exercised.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The shares of common stock are
being offered by the underwriter, subject to prior sale, when, as and if issued
to and accepted by them, subject to approval of certain legal matters by counsel
for the underwriter and other conditions specified in the underwriting
agreement. The underwriter reserves the right to withdraw, cancel or modify this
offer and to reject orders in whole or in part. The underwriting agreement
provides that the obligations of the underwriter are conditional and may be
terminated at its discretion based on its assessment of the state of the
financial markets. The obligations of the underwriter may also be terminated
upon the occurrence of the events specified in the underwriting agreement. The
underwriting agreement provides that the underwriter is obligated to purchase
all the shares of common stock in this offering if any are purchased, other than
those shares covered by the purchase option described below. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Option to Purchase
Additional Shares </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We have granted the
underwriter an option, exercisable no later than 30 days after the date of this
prospectus supplement, which is dated the same date as the underwriting
agreement, to purchase up to an additional 15% of the offered amount of our common stock at the public offering price, less the underwriting discount set
forth on the cover page of this prospectus supplement. To the extent the option
is exercised and the conditions of the underwriting agreement are satisfied, we
will be obligated to sell to the underwriter, and the underwriter will be
obligated to purchase, these additional shares of common stock.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Discounts and
Expenses</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The underwriter proposes to
offer the shares of our common stock directly to the public at the offering
price set forth on the cover page of this prospectus supplement and to certain
securities dealers at the public offering price, less a concession not in excess
of
$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
per share. The underwriter may allow, and the dealers may re-allow, a concession
not in excess of
$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
per share on sales to other brokers and dealers. After the public offering of
the shares of our common stock, the underwriter may change the offering price,
concessions and other selling terms.</FONT></P>

<P align=center><FONT face="Times New Roman" size=2>S-21</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The following table shows the
per share and total underwriting discount that we will pay to the underwriter
and the proceeds we will receive before expenses. These amounts are shown
assuming both no exercise and full exercise of the underwriter&#146;s option to
purchase additional shares.</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="84%"></TD>
    <TD noWrap align=left width="1%"></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>
    <TD noWrap style="text-align: center" width="4%" colSpan=2><B><FONT face="Times New Roman" size=1>Total Without</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=1>Total With</FONT></B></TD></TR>
  <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 1pt solid" noWrap align=center width="4%" colSpan=2><B><FONT face="Times New Roman" size=1>Per
    share</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="4%" colSpan=2><B><FONT face="Times New Roman" size=1>Purchase Option Exercise</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="4%" colSpan=2><B><FONT face="Times New Roman" size=1>Purchase Option Exercise</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Public offering price</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>$</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=left width="3%" 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>$</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%"><FONT face="Times New Roman" size=2>Underwriting discounts payable by us</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=left width="3%">&nbsp;</TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=left width="3%">&nbsp;</TD>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="1%"><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=left width="3%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="84%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>Proceeds to us (before expenses)</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>$</FONT></TD>
    <TD noWrap align=left width="3%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face="Times New Roman" size=2>$</FONT></TD>
    <TD noWrap align=left width="3%" 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=left width="3%" bgColor=#c0c0c0>&nbsp;</TD></TR></TABLE><BR>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>In addition to the
underwriting discount, we will reimburse the underwriter for its reasonable
out-of-pocket expenses incurred in connection with its engagement as
underwriter, regardless of whether the offering is consummated, including,
without limitation, all marketing and travel expenses and legal fees and
expenses up to a maximum amount of $150,000. We estimate that the total expenses
of the offering, exclusive of the underwriting discounts and commissions, will
be approximately $250,000, and are payable by us.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Indemnity</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We and the Bank have agreed
jointly and severally to indemnify the underwriter, and persons who control the
underwriter, and the underwriter&#146;s partners, directors, officers, employees and
agents against certain liabilities, including liabilities under the Securities
Act, and to contribute to payments that the underwriter may be required to make
in respect of these liabilities.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Lock-Up Agreements
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We, and each of our executive
officers and directors, have agreed, for the period beginning on and including
the date of this prospectus supplement through and including the date that is 90
days after the date of this prospectus supplement, not to (i) offer, pledge,
sell, contract to sell, sell any option or contract to purchase, purchase any
option or contract to sell, grant any option, right or warrant for the sale of,
or otherwise dispose of or transfer any shares of the Company&#146;s common stock or
any securities convertible into or exchangeable or exercisable for common stock
or file any registration statement under the Securities Act with respect to any
of the foregoing or (ii) enter into any swap or any other agreement or any
transaction that transfers, in whole or in part, directly or indirectly, the
economic consequence of ownership of the common stock, whether any such swap or
transaction is to be settled by delivery of common stock or other securities, in
cash or otherwise.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The restrictions described in
the preceding paragraph will not apply with respect to: (1) the issuance by us
of common stock to the underwriter pursuant to the underwriting agreement; (2)
the issuance by us of shares of our common stock pursuant to the exercise of an
option, warrant or convertible security outstanding on the date of the
underwriting agreement and disclosed in the prospectus; (3) our issuance of
shares of our common stock, or options to purchase our common stock, granted
pursuant to existing employee benefit plans of the Company and disclosed in the
prospectus, provided that such options shall not be vested and exercisable
within the 90-day period from the date of the prospectus; (4) a bona fide gift
or gifts by any of our executive officers or directors, provided that the donee
or donees thereof agree to be bound in writing by the restrictions described in
the preceding paragraph; (5) a transfer by any of our executive officers or
directors to any trust or family limited partnership for the direct or indirect
benefit of that executive officer or director or his or her immediate family,
provided that the trustee of the trust or general partner of the family limited
partnership, as the case may be, agrees to be bound by the restrictions
described in the preceding paragraph, and provided further that any such
transfer shall not involve a disposition for value; (6) pursuant to the exercise
by any of our executive officers or directors of stock options that have been
granted by the Company prior to, and are outstanding as of, the date of the
underwriting agreement, where the common stock received upon any such exercise
is held by the executive officer or director, individually or as fiduciary; or
(7) with the prior written consent of Sandler. For purposes of this paragraph,
&#147;immediate family&#148; shall mean any relationship by blood, marriage or adoption,
not more remote than first cousin, or to any entity in which that executive
officer or director owns more than 50% of the voting securities, provided that
the trustee of the trust or an authorized person of the entity, on behalf of the
entity, agrees to be bound in writing by such restrictions and provided further
that any such transfer shall not involve a disposition for value.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Sandler may, in its sole
discretion and at any time and from time to time, without notice, release all or
any portion of the foregoing shares and other securities from the foregoing
restrictions.</FONT></P>

<P align=center><FONT face="Times New Roman" size=2>S-22</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>

<P align=left><B><FONT face="Times New Roman" size=2>Price Stabilization and
Short Positions</FONT></B></P>

<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Until the distribution of the
shares is completed, SEC rules may limit the underwriter from bidding for and
purchasing our common stock. However, the underwriter may engage in transactions
that stabilize the price of the common stock, such as bids or purchases to peg,
fix or maintain that price.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>In connection with the
offering, the underwriter may purchase and sell our common stock in the open
market. These transactions may include short sales, purchases on the open market
to cover positions created by short sales and stabilizing transactions. Short
sales involve the sale by the underwriter of a greater number of shares than
they are required to purchase in the offering. &#147;Covered&#148; short sales are sales
made in an amount not greater than the underwriter&#146;s option described above. The
underwriter may close out any covered short position by either exercising its
option or purchasing shares in the open market. In determining the source of
shares to close out the covered short position, the underwriter will consider,
among other things, the price of shares available for purchase in the open
market as compared to the price at which it may purchase shares through the
option granted to it. &#147;Naked&#148; short sales are sales in excess of such option.
The underwriter must close out any naked short position by purchasing shares in
the open market. A naked short position is more likely to be created if the
underwriter is concerned that there may be downward pressure on the price of our
common stock in the open market after pricing that could adversely affect
investors who purchase in the offering. Stabilizing transactions consist of
various bids for or purchases of shares of common stock made by the underwriter
in the open market prior to the closing of the offering.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Similar to other purchase
transactions, the underwriter&#146;s purchases to cover the syndicate short sales may
have the effect of raising or maintaining the market price of our common stock
or preventing or retarding a decline in the market price of our common stock. As
a result, the price of our common stock may be higher than the price that might
otherwise exist in the open market. The underwriter may conduct these
transactions on The NASDAQ Global Market, in the over-the-counter market or
otherwise. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Neither we nor the underwriter
make any representation or prediction as to the direction or magnitude of any
effect that the transactions described above may have on the price of our common
stock. In addition, neither we nor the underwriter make any representation that
the representatives will engage in these transactions or that these
transactions, once commenced, will not be discontinued without notice.
</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Passive Market Making
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>In addition, in connection
with this offering the underwriter may engage in passive market making
transactions in our common stock on The NASDAQ Global Market prior to the
pricing and completion of this offering. Passive market making consists of
displaying bids on The NASDAQ Global Market no higher than the bid prices of
independent market makers and making purchases at prices no higher than these
independent bids and effected in response to order flow. Net purchases by a
passive market maker on each day are generally limited to a specified percentage
of the passive market maker&#146;s average daily trading volume in the common stock
during a specified period and must be discontinued when such limit is reached.
Passive market making may cause the price of our common stock to be higher than
the price that otherwise would exist in the open market in the absence of these
transactions. If passive market making is commenced, it may be discontinued at
any time.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Our Relationship with the
Underwriter</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Sandler and some of its
affiliates have performed and expect to continue to perform financial advisory
and investment banking services for us from time to time in the ordinary course
of their business, and have received, and may continue to receive, compensation
for such services.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our common stock is being
offered by the underwriter, subject to prior sale, when, as and if issued to and
accepted by it, subject to approval of certain legal matters by counsel for the
underwriter and other conditions specified in the underwriting agreement. The
underwriter reserves the right to withdraw, cancel or modify this offer and to
reject orders in whole or in part.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The underwriting agreement
provides that the obligations of the underwriter are conditional and may be
terminated at its discretion based on its assessment of the state of the
financial markets. The obligations of the underwriter may also be terminated
upon the occurrence of the events specified in the underwriting agreement. The underwriting agreement
provides that the underwriter is obligated to purchase all the shares of common
stock in this offering if any are purchased, other than those shares covered by
the purchase option described above.
</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>S-23</FONT></P>
<HR align=center width="100%" noShade SIZE=2>


<!--PART 04-->
<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2><A NAME="LegalMatters"></A>LEGAL MATTERS
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The validity of the common
stock will be passed upon for us by Nelson Mullins Riley &amp; Scarborough, LLP, Greenville, South Carolina.
Alston &amp; Bird LLP will pass upon certain legal matters for Sandler.
</FONT></P>
<P align=center><B><A NAME="Experts"></A><FONT face="Times New Roman" size=2>EXPERTS </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The financial statements of
the Company incorporated in this prospectus by reference to our Annual Report on
Form 10-K for the year ended December 31, 2016 have been so incorporated in
reliance on the report of Elliott Davis Decosimo, LLC, an independent registered
public accounting firm, given on the authority of such firm as experts in
auditing and accounting.</FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2><A NAME="WhereYouCanFindMoreInformation"></A>WHERE YOU CAN FIND MORE
INFORMATION </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We file annual, quarterly, and
current reports, proxy statements and other information with the SEC. You may
read and copy, at prescribed rates, any documents we have filed with the SEC at
its Public Reference Room located at 100 F Street, N.E., Washington, DC 20549.
You may obtain information on the operation of the Public Reference Room by
calling the SEC at 1-800-SEC-0330. We also file these documents with the SEC
electronically. You can access the electronic versions of these filings on the
SEC&#146;s internet website found at http://www.sec.gov. You may also obtain free
copies of the documents we have filed with the SEC (other than exhibits to such
documents unless we specifically incorporate by reference an exhibit in this
prospectus) by contacting Michael D. Dowling, Chief Financial Officer, Southern
First Bancshares, Inc., 100 Verdae Boulevard, Suite 100, Greenville, South
Carolina 29607, telephone (864) 679-9000 or from our Internet website at
www.southernfirst.com under the &#147;Investor Relations&#148; tab.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We have filed with the SEC a
registration statement on Form S-3 relating to the securities covered by this
prospectus supplement. This prospectus supplement is a part of the registration
statement and does not contain all the information in the registration
statement. Whenever a reference is made in this prospectus supplement to a
contract or other document, the reference is only a summary and you should refer
to the exhibits that are a part of the registration statement for a copy of the
contract or other document. You may review a copy of the registration statement
at the SEC&#146;s Public Reference Room in Washington, DC, as well as through the
SEC&#146;s internet website. </FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2><A NAME="IncorporationofCertainInformationbyReference"></A>INCORPORATION OF CERTAIN
INFORMATION BY REFERENCE </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The SEC allows us to
&#147;incorporate by reference&#148; information into this prospectus supplement from the
documents listed below that we have previously filed with the SEC (file no.
000-27719). This means that we can disclose important information to you by
referring you to another document without restating that information in this
prospectus supplement. Any information incorporated by reference into this
prospectus supplement is considered to be part of this prospectus supplement
from the date we file that document. Any reports filed by us with the SEC after
the date of this prospectus supplement will automatically update and, where
applicable, supersede, any information contained in this prospectus supplement
or incorporated by reference in this prospectus supplement.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We incorporate by reference
into this prospectus supplement the following documents or information filed
with the SEC (other than, in each case, documents, or information deemed to have
been furnished and not filed in accordance with SEC rules):</FONT></P>
<TABLE cellSpacing=0 cellPadding=0 border=0>

  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt; padding-left: 15pt; padding-bottom: 10pt"><FONT face="Times New Roman" size=2>(a)</FONT></TD>
    <TD STYLE="width: 100%; padding-bottom: 10pt"><FONT face="Times New Roman" size=2>Our Annual Report on
      Form 10-K for the year ended December 31, 2016 filed with the SEC on March
      3, 2017;</FONT></TD></TR>
  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt; padding-left: 15pt; padding-bottom: 10pt"><FONT face="Times New Roman" size=2>(b)</FONT></TD>
    <TD STYLE="width: 100%; padding-bottom: 10pt"><FONT face="Times New Roman" size=2>Those portions of our
      Definitive Proxy Statement on Schedule 14A filed with the SEC on April 10,
      2017 that are specifically incorporated by reference into our Annual
      Report on Form 10-K for the year ended December 31, 2016;</FONT></TD></TR>
  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt; padding-left: 15pt; padding-bottom: 10pt"><FONT face="Times New Roman" size=2>(c)</FONT></TD>
    <TD STYLE="width: 100%; padding-bottom: 10pt"><FONT face="Times New Roman" size=2>Our Quarterly Report
      on Form 10-Q for the quarter ended March 31, 2017 filed with the SEC on
      April 26, 2017;</FONT></TD></TR>
  <TR>
    <TD NOWRAP STYLE="vertical-align: top; padding-right: 8pt; padding-left: 15pt"><FONT size=2 face="Times New Roman">(d)</FONT></TD>
    <TD width="100%"><FONT size=2 face="Times New Roman">Description of our common
      stock in our Registration Statement on Form S-3 filed with the SEC on
      March 30, 2017, including any amendments or reports filed for the purpose
      of updating such description.</FONT></TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>All documents that we file
with the SEC under Section 13(a), 13(c), 14, or 15(d) of the Exchange Act after
the date of this prospectus supplement and before the termination of the
offering will also be deemed to be incorporated by reference. These additional
documents will be deemed to be incorporated by reference, and to be a part of,
this prospectus supplement from the date of their filing. These documents
include periodic reports such as Annual Reports on Form 10-K and Quarterly
Reports on Form 10-Q, and, to the extent they are considered filed, Current
Reports on Form 8-K. Information incorporated by reference from later filed
documents supersedes information that is included in this prospectus or any
applicable prospectus supplement or is incorporated by reference from earlier
documents, to the extent that they are inconsistent.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>You should rely only on the
information contained or incorporated by reference in this prospectus supplement
and the accompanying prospectus. We have not authorized anyone to provide you
with information that is different from what is contained in this prospectus
supplement or the accompanying prospectus. This prospectus supplement is dated
April &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 2017. You should not assume that the information contained in this
prospectus supplement is accurate as of any date other than that
date.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>S-24</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>PROSPECTUS</FONT></B></P>
<P align=center><IMG src="southern3243761_424b54x3x1.jpg" border=0></P>
<P align=center><B><FONT face="Times New Roman" size=2>$50,000,000<BR>Debt
Securities<BR>Preferred Stock<BR>Depositary Shares<BR>Common Stock<BR>Purchase
Contracts<BR>Units<BR>Warrants<BR>Rights
<BR>_____________________</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may offer
and sell, from time to time, in one or more
offerings, any combination of debt and equity
securities that we describe in this prospectus. The aggregate
amount of the securities offered by us
under this prospectus will not exceed $50,000,000. We
will provide the specific terms of these securities in
supplements to this prospectus. You should read this prospectus
and the applicable prospectus supplement carefully
before you invest in the securities described in
the applicable prospectus supplement. This prospectus
may not be used to consummate sales of securities
unless accompanied by a prospectus supplement.
</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Shares of our
common stock are traded on the NASDAQ
Global Market under the symbol &#147;SFST&#148;. The
closing sale price of our common stock
as reported on the NASDAQ Global Market
on March 29, 2017 was $33.05 per share.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may sell
the securities to underwriters or dealers, through
agents, or directly to investors,
or a combination of these methods. We will
set forth the names of any underwriters or
agents, any applicable commissions, discounts or
other compensation thereof, in the
applicable prospectus supplement.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2><STRONG>Neither the Securities
and Exchange Commission nor any state securities commission has approved or
disapproved of these securities or passed upon the adequacy of this prospectus.
Any representation to the contrary is a criminal offense in the United
States.</STRONG></FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><FONT face="Times New Roman" size=2>These securities are
unsecured and are not deposits and are not insured by the Federal Deposit
Insurance Corporation or any other governmental agency. </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><FONT face="Times New Roman" size=2>Investing in our securities
involves a high degree of risk. See the section &#147;Risk Factors&#148; on page 4 of this
prospectus, as well as in any supplements to this prospectus, and the risk
factors incorporated herein from time to time by reference to our most recent
Annual Report on Form 10-K and our most recent Quarterly Report on Form
10-Q.</FONT></B></P>
<P align=center><B><FONT face="Times New Roman" size=2>_____________________</FONT></B></P>
<P align=center><FONT face="Times New Roman" size=2>This prospectus is
dated April 11, 2017. </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><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 align=left width="98%"><FONT face="Times New Roman" size=2>About this Prospectus</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT size=2 face="Times New Roman">1</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Consolidated Ratio of Earnings to Fixed Charges</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT size=2 face="Times New Roman">2</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Incorporation of Certain
      Information by Reference</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT size=2 face="Times New Roman">3</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Risk
      Factors</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT size=2 face="Times New Roman">4</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Special Note Regarding
      Forward-Looking Statements</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT size=2 face="Times New Roman">5</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Prospectus Summary</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT size=2 face="Times New Roman">7</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Southern First Bancshares,
      Inc.</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT size=2 face="Times New Roman">9</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Use
      of Proceeds</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT size=2 face="Times New Roman">9</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Plan of Distribution</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT size=2 face="Times New Roman">9</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Description of Debt Securities</FONT></TD>
    <TD vAlign=top noWrap align=right width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT face="Times New Roman" size=2>11</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Description of Preferred
      Stock</FONT></TD>
    <TD vAlign=top noWrap align=right width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT face="Times New Roman" size=2>17</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Description of Depositary Shares</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT face="Times New Roman" size=2>19</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Description of Common
    Stock</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT face="Times New Roman" size=2>22</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Description of Purchase Contracts</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT face="Times New Roman" size=2>23</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Description of Units</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT face="Times New Roman" size=2>24</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Description of Warrants</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT face="Times New Roman" size=2>24</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Description of Rights</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT face="Times New Roman" size=2>25</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Anti-Takeover Effects of Certain Articles of Incorporation
      Provisions</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT face="Times New Roman" size=2>27</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Validity of Securities</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT face="Times New Roman" size=2>27</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Experts</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT face="Times New Roman" size=2>28</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD vAlign=top align=left width="98%"><FONT face="Times New Roman" size=2>Where You Can Find More
      Information</FONT></TD>
    <TD vAlign=top noWrap align=left width="1%"></TD>
    <TD vAlign=top noWrap align=right width="1%"><FONT face="Times New Roman" size=2>28</FONT></TD></TR>

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

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><B><A NAME="AboutthisProspectus"></A><FONT face="Times New Roman" size=2>ABOUT THIS
PROSPECTUS</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>This prospectus is a part of a
registration statement that we filed with the Securities and Exchange Commission
(&#147;SEC&#148;) using a &#147;shelf&#148; registration process. Under this shelf registration
statement, we may issue and sell to the public, either separately or together,
any part or all of the securities described in the registration statement, at
any time and from time to time, in one or more public offerings, up to an
aggregate amount of $50,000,000 million of our debt securities, preferred stock,
depositary shares, common stock, purchase contracts, units, warrants, or rights
consisting of two or more securities. We may also issue common stock or
preferred stock upon conversion, exchange or exercise of any of the securities
mentioned above. This prospectus only provides you with a general description of
the securities we may offer. Each time we sell securities, we will provide a
supplement to this prospectus that contains specific information about the terms
of the securities and the offering. A prospectus supplement may include a
discussion of any risk factors or other special considerations applicable to
those securities or to us. The supplement also may add, update or change
information contained in this prospectus. If there is any inconsistency between
the information in this prospectus and the applicable prospectus supplement, you
should rely on the information in the prospectus supplement. You should
carefully read both this prospectus and any prospectus supplement, any documents
that we incorporate by reference in this prospectus and/or in any prospectus
supplement, together with the additional information described under the heading
&#147;Where You Can Find More Information&#148; before making an investment decision.
</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The registration statement
containing this prospectus, including exhibits to the registration statement,
provides additional information about us and the securities offered under this
prospectus. That registration statement can be read at the SEC website or at the
SEC office mentioned under the heading &#147;Where You Can Find More Information&#148;
below. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may sell the securities (a)
through agents; (b) through underwriters or dealers; (c) directly to one or more
purchasers; or (d) through a combination of any of these methods of sale. We and
our agents reserve the sole right to accept and to reject in whole or in part
any proposed purchase of securities. See &#147;Plan of Distribution&#148; below. A
prospectus supplement (or pricing supplement) will provide the names of any
underwriters, dealers, or agents involved in the sale of the securities, and any
applicable fee, commission, or discount arrangements with them.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><B><FONT face="Times New Roman" size=2>You should rely only on the
information contained in this prospectus, any prospectus supplement (or pricing
supplement) and the documents we have incorporated by reference. We will
disclose any material changes in our affairs in an amendment to this prospectus,
a prospectus supplement (or pricing supplement) or a future filing with the SEC
incorporated by reference in this prospectus. No person has been authorized to
give any information or to make any representations other than those contained
or incorporated in this prospectus and, if given or made, such information or
representations must not be relied upon as having been authorized. This
prospectus does not constitute an offer to sell or a solicitation of an offer to
sell or to buy any securities other than those to which it relates, or an offer
or solicitation with respect to those securities to which it relates to any
persons in any jurisdiction where such offer or solicitation would be unlawful.
The delivery of this prospectus at any time does not imply that the information
contained or incorporated herein at its date is correct as of any time
subsequent to its date.</FONT></B><FONT face="Times New Roman" size=2>
</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Unless the context requires
otherwise, references to &#147;Southern First Bancshares, Inc.&#148;, the &#147;Company&#148;, &#147;we&#148;,
&#147;our&#148;, &#147;ours&#148; and &#147;us&#148; are to Southern First Bancshares, Inc. and its
subsidiaries.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>1 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2><A NAME="ConsolidatedRatioofEarningstoFixedCharges"></A>CONSOLIDATED RATIO OF
EARNINGS TO FIXED CHARGES </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The table below sets forth our
consolidated ratio of earnings to fixed charges for the periods indicated on a
historical basis. As of the date of this prospectus, we did not have any
preferred stock outstanding. The following table should be read in conjunction
with our consolidated financial statements and related notes and Management&#146;s
Discussion and Analysis of Financial Condition and Results of Operations
included in our Form 10-K, which is incorporated by reference herein. For
further information, also see Exhibit 12.1 (Computation of Ratio of Earnings to
Fixed Charges) to the registration statement of which this prospectus forms a
part. </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 1pt solid" noWrap align=center width="87%"><FONT face="Times New Roman" size=2>Excluding Interest on
      Deposits:</FONT></TD>
    <TD noWrap align=right width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="2%"><B><FONT face="Times New Roman" size=2>2016</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="2%"><B><FONT face="Times New Roman" size=2>2015</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="2%"><B><FONT face="Times New Roman" size=2>2014</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="2%"><B><FONT face="Times New Roman" size=2>2013</FONT></B></TD>
    <TD noWrap style="text-align: center" width="1%">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=center width="2%"><B><FONT face="Times New Roman" size=2>2012</FONT></B></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>Ratio of earnings
      (loss) to fixed charges,</FONT></B></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="2%" 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="2%" 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="2%" bgColor=#c0c0c0></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%" bgColor=#c0c0c0><B><FONT face="Times New Roman" size=2>excluding interest on
      deposits</FONT></B></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>5.79x</FONT></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>4.97x</FONT></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>3.38x</FONT></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>2.78x</FONT></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>2.26x</FONT></TD></TR>
  <TR>
    <TD width="102%" bgColor=#c0c0c0 colSpan=11>&nbsp;&nbsp;&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><B><FONT face="Times New Roman" size=2>Ratio of earnings (loss) to fixed charges</FONT></B></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="2%"></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="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><B><FONT face="Times New Roman" size=2>and preferred dividends, excluding interest</FONT></B></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="2%"></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="2%"></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="87%"><B><FONT face="Times New Roman" size=2>on deposits</FONT></B></TD>
    <TD noWrap align=right width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>5.79x</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>4.97x</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>3.38x</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>2.78x</FONT></TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=right width="2%"><FONT face="Times New Roman" size=2>2.26x</FONT></TD></TR></TABLE><BR>
<P align=center><FONT face="Times New Roman" size=2>2</FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2><A NAME="IncorporationofCertainInformationbyReference2"></A>INCORPORATION OF CERTAIN
INFORMATION BY REFERENCE</FONT></B><FONT face="Times New Roman" size=2>
</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The SEC allows us to
&#147;incorporate by reference&#148; into this prospectus the information we file with it,
which means that we can disclose important information to you by referring you
to those documents. Information incorporated by reference is considered to be
part of this prospectus, except for any information that is superseded by
information included directly in this prospectus. Any statement contained in
this prospectus or a document incorporated by reference in this prospectus will
be deemed to be modified or superseded for purposes of this prospectus to the
extent that a statement contained in this prospectus or in any other
subsequently filed document that is incorporated by reference in this prospectus
modifies or superseded the statement. Any statement so modified or superseded
will not be deemed, except as so modified or superseded, to constitute a part of
this prospectus.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We incorporate by reference
into this prospectus the documents listed below and any future filings we will
make with the SEC under Sections 13(a), 13(c), 14 or 15(d) of the Securities
Exchange Act of 1934 (the &#147;Exchange Act&#148;) after the date of the initial filing
of the registration statement on Form S-3, of which this prospectus is a part,
and prior to the effectiveness of the registration statement, and any such
filings that we make after the date of this prospectus but before the
termination of the offering of the securities covered by this prospectus, except
to the extent that any information contained in such filings is deemed
&#147;furnished&#148; in accordance with SEC rules (unless otherwise indicated
therein):</FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Our Annual Report on Form 10-K for the year
      ended December 31, 2016, filed with the SEC on March 3, 2017; and
      <BR>&nbsp;&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Our Current Report on Form 8-K filed with the
      SEC on January 24, 2017. </TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We will provide a copy of any
and all of the information that is incorporated by reference in this prospectus
to any person, including a beneficial owner, to whom a prospectus is delivered,
without charge, upon written or oral request. Written requests for copies should
be directed to Attn: Michael D. Dowling, Southern First Bancshares, Inc., 100
Verdae Boulevard, Suite 100, Greenville, South Carolina, 29606. Telephone
requests for copies should be directed to Mr. Dowling at (864) 679-9070.
</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We maintain an Internet
website at www.southernfirst.com where the incorporated reports listed above can
be accessed. Neither this website nor the information on this website is
included or incorporated in, or is a part of, this prospectus. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>3 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>

<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><A NAME="RiskFactors"></A><B><FONT face="Times New Roman" size=2>RISK FACTORS
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Investing in the securities
involves risk. Please see the &#147;Risk Factors&#148; section in the Company&#146;s most
recent Annual Report on Form 10-K, along with the disclosure related to the risk
factors contained in any of the Company&#146;s subsequent Quarterly Reports on Form
10-Q, which are incorporated by reference in this prospectus, as updated by our
future filings with the SEC. Before making an investment decision, you should
carefully consider these risks as well as other information contained or
incorporated by reference in this prospectus and any prospectus supplement. The
risks and uncertainties not presently known to the Company or that the Company
currently deems immaterial may also impair its business operations, its
financial results and the value of the securities. The prospectus supplement
applicable to each type or series of securities we offer may contain a
discussion of additional risks applicable to an investment in us and the
particular type of securities we are offering under that prospectus supplement.
</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=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><A NAME="SpecialNoteRegardingForward-LookingStatements"></A><B><FONT face="Times New Roman" size=2>SPECIAL NOTE REGARDING
FORWARD-LOOKING STATEMENTS </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Statements included in this
prospectus, including information incorporated herein by reference, which are
not historical in nature are intended to be, and are hereby identified as,
forward-looking statements for purposes of the safe harbor provided by Section
21E of the Exchange Act. The words &#147;may,&#148; &#147;will,&#148; &#147;anticipate,&#148; &#147;should,&#148;
&#147;would,&#148; &#147;believe,&#148; &#147;contemplate,&#148; &#147;expect,&#148; &#147;estimate,&#148; &#147;continue,&#148; &#147;may,&#148; and
&#147;intend,&#148; as well as other similar words and expressions of the future, are
intended to identify forward-looking statements. We caution readers that
forward-looking statements are estimates reflecting our judgment based on
current information, and are subject to certain risks and uncertainties that
could cause actual results to differ materially from anticipated results. Such
risks and uncertainties include, among others, the matters described in the
&#147;Risk Factors&#148; of this prospectus and the following:</FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Credit losses as a result of declining real
      estate values, increasing interest rates, increasing unemployment, changes
      in payment behavior or other factors; <BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Credit losses due to loan
    concentration;<BR>&nbsp;</TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Changes in the amount of our loan portfolio
      collateralized by real estate and weaknesses in the real estate
      market;<BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Restrictions or conditions imposed by our
      regulators on our operations;<BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Increases in competitive pressure in the
      banking and financial services industries;<BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Changes in the interest rate environment which
      could reduce anticipated or actual margins; <BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Changes in political conditions or the
      legislative or regulatory environment, including governmental initiatives
      affecting the financial services industry; <BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Changes in economic conditions resulting in,
      among other things, a deterioration in credit quality;<BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Changes occurring in business conditions and
      inflation;<BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Changes in access to funding or increased
      regulatory requirements with regard to funding;<BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Increased cybersecurity risk, including
      potential business disruptions or financial losses;<BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Changes in deposit flows;<BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Changes in technology; <BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">The adequacy of the level of our allowance for
      loan losses and the amount of loan loss provisions required in future
      periods;<BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Examinations by our regulatory authorities,
      including the possibility that the regulatory authorities may, among other
      things, require us to increase our allowance for loan losses or write-down
      assets;<BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Changes in monetary and tax policies;
      <BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Changes in accounting policies and
      practices;<BR>&nbsp;&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">The rate of delinquencies and amounts of loans
      charged-off;<BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">The rate of loan growth in recent years and the
      lack of seasoning of a portion of our loan portfolio;<BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Our ability to maintain appropriate levels of
      capital and to comply with our capital ratio requirements;<BR>&nbsp;&nbsp;
    </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Our ability to attract and retain key
      personnel;<BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Our ability to retain our existing clients,
      including our deposit relationships; and<BR>&nbsp;&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">Adverse changes in asset quality and resulting
      credit risk-related losses and expenses. </TD></TR></TABLE>
<P align=center><FONT face="Times New Roman" size=2>5 </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Some of the factors that could
cause actual results to differ from those expressed or implied in
forward-looking statements are incorporated by reference under &#147;Risk Factors&#148; in
this prospectus and may be described in any prospectus supplement and in the
&#147;Risk Factors&#148; and other sections of the documents that we incorporate by
reference into this prospectus, including our Annual Reports on Form 10-K and
our Quarterly Reports on Form 10-Q and in our other reports filed with the SEC.
Should one or more of these risks or uncertainties materialize, or should
underlying assumptions prove incorrect, actual outcomes may vary materially from
those anticipated. All subsequent written and oral forward-looking statements
attributable to us or persons acting on our behalf are expressly qualified in
their entirety by reference to these risks and uncertainties. You should not
place undue reliance on our forward-looking statements. Each forward-looking
statement speaks only as of the date of the particular statement, and we
undertake no duty to update any forward-looking statement.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>6 </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2><A NAME="ProspectusSummary"></A>PROSPECTUS
SUMMARY</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Under the shelf registration
statement of which this prospectus is a part, we may sell up to $50,000,000 of
securities, consisting of one or any combination or combinations of securities,
described in this prospectus in one or more offerings. This prospectus provides
you with a general description of the securities we may offer. This prospectus
describes the securities that may be offered. We may offer any of the following
securities or any combination of these securities from time to time:
</FONT></P>
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    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">debt securities; <BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">preferred stock; <BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">depositary shares; <BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">common stock; <BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">purchase contracts; <BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">units; <BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">warrants; and <BR>&nbsp;&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">rights.</TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>This prospectus, including the
following summary, describes the general terms that may apply to the securities.
The specific terms of any particular securities that we may offer will be
described in a separate supplement to this prospectus. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Debt
Securities</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may offer several different
types of debt securities. For any particular debt securities we offer, the
applicable prospectus supplement will describe the terms of the debt securities,
and will include for each series of debt securities, the initial public offering
price, designation, priority, aggregate principal amount (including whether
determined by reference to an index), currency, denomination, premium, maturity,
interest rate (including whether fixed, floating or otherwise), time of payment
of any interest, any terms for mandatory or optional redemption and other terms.
We will issue senior and subordinated debt under separate indentures to be
entered into by and between us and a bank or trust company, or other qualified
trustee, that we select to act as trustee. Debt securities may be convertible
into shares of our common stock or preferred stock, as described in a prospectus
supplement.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Preferred Stock and
Depositary Shares</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may offer preferred stock
in one or more series. The applicable prospectus supplement will describe for
each offer of preferred stock the specific designation of the series offered;
the aggregate number of shares offered; the rate and periods, or manner of
calculating the rate and periods, for dividends, if any; the stated value and
liquidation preference amount, if any; the redemption, liquidation and voting
rights, if any; and any other specific terms. We may also offer depositary
shares, each of which would represent an interest in a fractional share of
preferred stock. We will issue the depositary shares under one or more deposit
agreements to be entered into between us and one or more depositaries.
</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Common
Stock</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may also offer shares of
our common stock and the applicable prospectus supplement will describe the
terms of any such offer. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Purchase
Contracts</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We also may issue purchase
contracts, including contracts obligating holders to purchase from us, and
obligating us to sell to holders, a fixed or varying number of shares of common
stock, preferred stock, depositary shares or debt securities at a future date or
dates. The consideration per share of common stock, preferred stock, depositary
shares or debt securities may be fixed at the time that purchase contracts are
issued or may be determined by reference to a specific formula set forth in the
purchase contracts. Any purchase
contract may include anti-dilution provisions to adjust the number of shares
issuable pursuant to such purchase contract upon the occurrence of certain
events. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>7</FONT></P>
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<!--PART 05-->
<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>

<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The purchase contracts may be
issued separately or as a part of units with one or more other securities. These
contracts, and the holders&#146; obligations to purchase shares of our common stock,
preferred stock, depositary shares or debt securities under the purchase
contracts may be secured by cash, certificates of deposit, U.S. government
securities that will mature prior to or simultaneously with, the maturity of the
purchase contract, standby letters of credit from an affiliated U.S. bank that
is FDIC-insured or other collateral satisfactory to the Federal Reserve. The
purchase contracts may require us to make periodic payments to holders of the
purchase units, or vice versa, and such payments may be unsecured or prefunded
and may be paid on a current or on a deferred basis. </FONT><FONT face="Times New Roman" size=2></FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Any one or more of the above
securities, common stock or the purchase contracts or other collateral may be
pledged as security for the holders&#146; obligations to purchase or sell, as the
case may be, the common stock, preferred stock, depositary shares or debt
securities under the purchase contracts. </FONT><FONT face="Times New Roman" size=2></FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Units</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We also may offer two or more
of the securities described in this prospectus in the form of a &#147;unit,&#148;
including pursuant to a unit agreement. The unit may be transferable only as a
whole, or the securities comprising a unit may, as described in the prospectus
supplement, be separated and transferred by the holder separately. There may or
may not be an active market for units or the underlying securities, and not all
the securities comprising a unit may be listed or traded on a securities
exchange or market. </FONT><FONT face="Times New Roman" size=2></FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Warrants</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may offer warrants to
purchase our senior debt securities, subordinated debt securities, preferred
stock, depositary shares, common stock or any combination of these securities,
either independently or together with any other securities. For any particular
warrants we offer, the applicable prospectus supplement will describe:
</FONT><FONT face="Times New Roman" size=2></FONT></P>

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    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the underlying
      securities; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2></FONT><FONT face="Times New Roman" size=2>the expiration
      date;<BR>&nbsp;</FONT></P></TD></TR>
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    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2></FONT><FONT face="Times New Roman" size=2>the exercise price or the manner of
      determining the exercise price; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2></FONT><FONT face="Times New Roman" size=2>the amount and kind, or the manner of
      determining the amount and kind, of securities to be delivered upon
      exercise; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2></FONT><FONT face="Times New Roman" size=2>the date after which the warrants are
      separately transferable; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2></FONT><FONT face="Times New Roman" size=2>any provisions for adjustments in the
      exercise price or the number of securities issuable upon exercise of the
      warrants; and <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2></FONT><FONT face="Times New Roman" size=2>any other specific terms. </FONT><FONT face="Times New Roman" size=2></FONT></P></TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may issue the warrants
under one or more warrant agreements between us and one or more warrant agents.
The warrant agents will act solely as our agents in connection with the warrants
and will not assume any obligation or relationship of agency for or on behalf of
holders or beneficial owners of warrants. </FONT><FONT face="Times New Roman" size=2></FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Rights</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may offer rights to our
existing shareholders to purchase additional shares of our common stock or any
series of our preferred stock. For any particular subscription rights, the
applicable prospectus supplement will describe the terms of such rights,
including the period during which such rights may be exercised, the manner of
exercising such rights, the transferability of such rights and the number of
shares of common stock or preferred stock that may be purchased in connection
with each right and the subscription price for the purchase of such common stock
or preferred stock. In connection with a rights offering, we may enter into a
separate agreement with one or more underwriters or standby purchasers to
purchase any shares of our common stock or preferred stock not subscribed for in
the rights offering by existing shareholders, which will be described in the
applicable prospectus supplement. </FONT><FONT face="Times New Roman" size=2></FONT></P>
<P align=center><FONT face="Times New Roman" size=2>8 </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Listing</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>If any securities are to be
listed or quoted on a securities exchange or quotation system, the applicable
prospectus supplement will so indicate. Our common stock is listed on the NASDAQ
Global Market and trades under the symbol &#147;SFST&#148;. </FONT><FONT face="Times New Roman" size=2></FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2><A NAME="SouthernFirstBancsharesInc"></A>SOUTHERN FIRST
BANCSHARES, INC.</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We are a bank holding company
organized in 1999 and headquartered in Greenville, South Carolina. We serve as
the bank holding company for Southern First Bank, which began operations in
2000. Through our bank, we offer a wide range of traditional banking products
and services to individuals and small to mid-size businesses throughout our
primary market areas of Greenville, Columbia, and Charleston, South Carolina,
including commercial and consumer loan and deposit services, as well as mortgage
services. We serve this market with a client-focused structure called
relationship teams, which provides each client with a specific banker contact
and support team responsible for all of the client&#146;s banking needs. The purpose
of this structure is to provide a consistent and superior level of professional
service, and we believe it provides us with a distinct competitive advantage.
Our principal executive offices are located at 100 Verdae Boulevard, Suite 100,
Greenville, South Carolina 29606. Our telephone number is (800)
679-9000.</FONT><FONT face="Times New Roman" size=2> </FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2><A NAME="UseofProceeds2"></A>USE OF
PROCEEDS</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Unless otherwise specified in
a prospectus supplement accompanying this prospectus, we currently intend to use
the net proceeds from the sale of the securities offered under this prospectus
for general corporate purposes. General corporate purposes may include repayment
of debt or the interest payment thereon, capital expenditures, possible
acquisitions, investments, and any other purposes that we may specify in any
prospectus supplement. We may invest the net proceeds temporarily until we use
them for their stated purpose. We cannot predict whether the proceeds invested
will yield a favorable return. </FONT><FONT face="Times New Roman" size=2></FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2><A NAME="PlanofDistribution"></A>PLAN OF
DISTRIBUTION</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may sell securities offered
under this prospectus: </FONT></P>
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    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2></FONT><FONT face="Times New Roman" size=2></FONT><FONT face="Times New Roman" size=2>through underwriters or dealers; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2></FONT><FONT face="Times New Roman" size=2>through agents; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2></FONT><FONT face="Times New Roman" size=2>directly to one or more purchasers; or<BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2></FONT><FONT face="Times New Roman" size=2>through a combination of any of these
      methods for sale. </FONT></P></TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The distribution of the
securities may be effected from time to time in one or more transactions at a
fixed price or prices, which may be changed from time to time, or at negotiated
prices. For each type and series of securities offered, the applicable
prospectus supplement will set forth the terms of the offering, including,
without limitation: </FONT><FONT face="Times New Roman" size=2></FONT></P>
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    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the names of any
      underwriters, dealers or agents; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2></FONT><FONT face="Times New Roman" size=2>the purchase price of the securities;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2></FONT><FONT face="Times New Roman" size=2>the use of proceeds to us from the sale of
      the securities; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2></FONT><FONT face="Times New Roman" size=2>any underwriting discounts, agency fees, or
      other compensation payable to underwriters or agents;
    <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2></FONT><FONT face="Times New Roman" size=2>any discounts or concessions allowed or
      re-allowed or repaid to dealers; and <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2></FONT><FONT face="Times New Roman" size=2>the securities exchanges on which the
      securities will be listed, if any. </FONT></P></TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>If underwriters are used in an
offering, we will execute an underwriting agreement with such underwriters and
will specify the name of each underwriter and the terms of the transaction
(including any underwriting discounts and other terms constituting compensation
of the underwriters and any dealers) in a prospectus supplement. If we use
underwriters in any sale of securities offered under this prospectus, the
underwriters will buy the securities for their own account. The underwriters may
then resell the securities in one or more transactions at a fixed public
offering price or at varying prices determined at the time of sale or thereafter. The underwriters may sell the
securities directly or through underwriting syndicates managed by managing
underwriters. The obligations of the underwriters to purchase the securities
will be subject to certain conditions. The underwriters will be obligated to
purchase all the securities offered if they purchase any securities. The
offering price and any discounts or concessions allowed or re-allowed or paid to
dealers may be changed from time to time. We may also reimburse the underwriter
or agent for certain fees and legal expenses incurred by it. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>9 </FONT></P>
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<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>In connection with an
offering, underwriters and their affiliates may engage in transactions to
stabilize, maintain or otherwise affect the market price of the securities in
accordance with applicable law. Those activities may cause the price of the
securities to be higher than it would otherwise be. If commenced, the
underwriters may discontinue any of the activities at any time. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Underwriters or agents may
make sales in privately negotiated transactions and/or any other method
permitted by law, including sales deemed to be an &#147;at-the-market&#148; offering as
defined in Rule 415 promulgated under the Securities Act of 1933 (the
&#147;Securities Act&#148;), which includes sales made directly on the NASDAQ Global
Market, the existing trading market for our common stock, or sales made to or
through a market maker other than on an exchange. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>If we use dealers in any sale
of securities offered under this prospectus, the securities will be sold to such
dealers as principals. The dealers may then resell the securities to the public
at varying prices to be determined by such dealers at the time of resale. If
agents are used in any sale of securities offered under this prospectus, they
will generally use their reasonable best efforts to solicit purchases for the
period of their appointment. If securities offered under this prospectus are
sold directly, no underwriters, dealers or agents would be involved. We are not
making an offer of securities in any state that does not permit such an offer.
</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Underwriters, dealers and
agents that participate in any distribution of securities may be deemed to be
underwriters as defined in the Securities Act. Any discounts, commissions or
profit they receive when they resell the securities may be treated as
underwriting discounts and commissions under the Securities Act. We expect that
any agreements we may enter into with underwriters, dealers and agents will
include provisions indemnifying them against certain civil liabilities,
including certain liabilities under the Securities Act, or providing for
contributions with respect to payments that they may be required to make.
</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may authorize underwriters,
dealers or agents to solicit offers from certain institutions whereby the
institution contractually agrees to purchase the securities offered under this
prospectus from us on a future date at a specific price. This type of contract
may be made only with institutions that we specifically approve. Such
institutions could include banks, insurance companies, pension funds, investment
companies and educational and charitable institutions. The underwriters, dealers
or agents will not be responsible for the validity or performance of these
contracts. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Sales of securities offered
under this prospectus also may be effected by us from time to time in one or
more types of transactions (which may, without limitation, include block
transactions, special offerings, exchange distributions, secondary
distributions, purchases by a broker or dealer, or other direct sales by us to
one or more purchasers) on the NASDAQ Global Market or any other national
securities exchange or automated trading and quotation system on which our
common stock or other securities are listed, in the over-the-counter market, in
transactions otherwise than on such exchanges and systems or the
over-the-counter market, including negotiated transactions, through options
transactions relating to the shares, or a combination of such methods of sale,
at market prices prevailing at the time of sale, at negotiated prices or at
fixed prices. Such transactions may or may not involve brokers or dealers. Any
shares of our common stock offered under this prospectus will be listed on the
NASDAQ Global Market, subject to notice of issuance. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Each issue of a new series of
debt securities, preferred stock, depositary shares, purchase contracts, units,
warrants and rights will be a new issue of securities with no established
trading market, except as indicated in the applicable prospectus supplement. It
has not been established whether the underwriters, if any, of the securities
offered under this prospectus will make a market in these securities. If a
market in any series of debt securities, preferred stock, depositary shares,
purchase contracts, units, warrants and rights is made by any such underwriters,
such market-making may be discontinued at any time without notice. We can give
no assurance as to the liquidity of the trading market of these securities.
</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>In order to facilitate the
offering of any of the securities offered under this prospectus, the
underwriters with respect to any such offering may, as described in the
prospectus supplement, engage in transactions that stabilize, maintain or
otherwise affect the price of the securities or any other securities the prices
of which may be used to determine payments on these securities. Specifically,
the underwriters may over-allot in connection with the offering, creating a
short position in these securities for their own accounts. In addition, to cover
over-allotments or to stabilize the price of these securities or of any other
securities, the underwriters may bid for, and purchase, these securities or any
other securities in the open market. Finally, in any offering of the securities
offered under this prospectus through a syndicate of underwriters, the
underwriting syndicate may reclaim selling concessions allowed to an underwriter
or a dealer for distributing these securities in the offering, if the syndicate
repurchases previously distributed
securities in transactions to cover syndicate short positions, in stabilization
transactions or otherwise. Any of these activities may stabilize or maintain the
market price of these securities above independent market levels. The
underwriters are not required to engage in these activities, and may end any of
these activities at any time, all as described in the applicable prospectus
supplement. </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=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>If so indicated in the
applicable prospectus supplement, one or more firms, which we refer to as
&#147;remarketing firms,&#148; acting as principals for their own accounts or as agents
for us, may offer and sell the securities offered under this prospectus as part
of a remarketing upon their purchase, in accordance with their terms. We will
identify any remarketing firm, the terms of its agreement, if any, with us and
its compensation in the applicable prospectus supplement. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Remarketing firms, agents,
underwriters and dealers may be entitled under agreements with us to
indemnification by or contribution from us against some civil liabilities,
including liabilities under the Securities Act, and may be customers of, engage
in transactions with or perform services for us in the ordinary course of
business. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Any person participating in
the distribution of securities will be subject to applicable provisions of the
Exchange Act and the rules and regulations under the Exchange Act, including
without limitation, Regulation M, which may limit the timing of transactions
involving the securities offered under this prospectus. Furthermore, Regulation
M may restrict the ability of any person engaged in the distribution of such
securities to engage in market-making activities with respect to the particular
securities being distributed. All of the above may affect the marketability of
the securities offered under this prospectus and the ability of any person or
entity to engage in market-making activities with respect to such securities.
</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Under the securities law of
various states, the securities offered under this prospectus may be sold in
those states only through registered or licensed brokers or dealers. In
addition, in various states the securities offered under this prospectus may not
be offered and sold unless such state securities have been registered or
qualified for sale in the state or an exemption from such registration or
qualification is available and is complied with. </FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2>SECURITIES WE MAY OFFER
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>This prospectus contains
summary descriptions of the debt securities, the preferred stock, the depositary
shares, the common stock, the purchase contracts, the units, the warrants, and
the rights that we may offer from time to time. These summary descriptions are
not meant to be complete descriptions of each security. The particular terms of
any security will be described in the accompanying prospectus supplement and
other offering material. The accompanying prospectus supplement may add, update
or change the terms and conditions of the securities as described in this
prospectus.</FONT><FONT face="Times New Roman" size=2> </FONT></P>
<P align=center><A NAME="DescriptionofDebtSecurities"></A><B><FONT face="Times New Roman" size=2>DESCRIPTION OF DEBT
SECURITIES</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may issue senior debt
securities or subordinated debt securities. The senior debt securities and the
subordinated debt securities will be issued under separate indentures to be
entered into between us and a bank or trust company, or other trustee that is
qualified to act under the Trust Indenture Act of 1939, which we select to act
as trustee. A copy of the form of each indenture has been filed as an exhibit to
the registration statement of which this prospectus forms a part. We use the
term &#147;indentures&#148; to refer to both the senior indenture and the subordinated
indenture. The indentures may be modified by one or more supplemental
indentures, which we will incorporate by reference as an exhibit to the
registration statement of which this prospectus is a part.</FONT><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The following description and
any description in a prospectus supplement is a summary only and is subject to,
and qualified in its entirety by reference to the terms and provisions of the
indentures and any supplemental indentures that we file with the SEC in
connection with an issuance of any series of debt securities. You should read
all of the provisions of the indentures, including the definitions of certain
terms, as well as any supplemental indentures that we file with the SEC in
connection with the issuance of any series of debt securities. These summaries
set forth certain general terms and provisions of the securities to which any
prospectus supplement may relate. The specific terms and provisions of a series
of debt securities and the extent to which the general terms and provisions may
also apply to a particular series of debt securities will be described in the
applicable prospectus supplement. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Since we are a holding
company, our right, and accordingly, the right of our creditors and
shareholders, including the holders of the securities offered by this prospectus
and any prospectus supplement, to participate in any distribution of assets of
any of our subsidiaries upon its liquidation, reorganization or similar
proceeding is subject to the prior claims of creditors of that subsidiary,
except to the extent that our claims as a creditor of the subsidiary may be
recognized. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>11 </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Terms of the
Securities</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Unless otherwise described in a prospectus supplement, the
following general terms and provisions will apply to the debt securities. The
securities will be not be secured by any of our assets. Neither the indentures
nor the securities will limit or otherwise restrict the amounts of other
indebtedness which we may incur, or the amount of other securities that we may
issue. Although the total amount of debt securities we may offer under this
prospectus will be limited to $50,000,000 in aggregate principal amount, the
indentures do not limit the principal amount of any particular series of
securities. All of the securities issued under each of the indentures will rank
equally and ratably with any additional securities issued under the same
indenture. The subordinated debt securities will be subordinated as described
below under &#147;Subordination.&#148; </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Each prospectus supplement
will specify the particular terms of the securities offered. These terms may
include: </FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the title of the securities;<BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any limit on the
      aggregate principal amount of the securities; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the priority of payments on the securities;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the issue price or prices (which may be
      expressed as a percentage of the aggregate principal amount) of the
      securities; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the date or dates, or the method of
      determining the dates, on which the securities will mature;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the interest rate or rates of the
      securities, or the method of determining those rates;
    <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the interest payment dates, the dates on
      which payment of any interest will begin and the regular record dates;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>whether the securities will be issuable in
      temporary or permanent global form and, if so, the identity of the
      depositary for such global security, or the manner in which any interest
      payable on a temporary or permanent global security will be paid;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any terms relating to the conversion of the
      securities into our common stock or preferred stock or other securities
      offered hereby, including, without limitation, the time and place at which
      such securities may be converted, the conversion price and any adjustments
      to the conversion price and any other provisions that may
      applicable;<BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any covenants that may restrict our ability
      to create, assume or guarantee indebtedness for borrowed money that is
      secured by a pledge, lien or other encumbrance, that condition or restrict
      our ability to merge or consolidate with any other person or to sell,
      lease or convey all or substantially all of our assets to any other person
      or that otherwise impose restrictions or requirements on us;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any sinking fund or similar provisions
      applicable to the securities; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any mandatory or optional redemption
      provisions applicable to the securities; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the denomination or denominations in which
      securities are authorized to be issued; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>whether any of the securities will be issued
      in bearer form and, if so, any limitations on issuance of such bearer
      securities (including exchanges for registered securities of the same
      series); <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>information with respect to book-entry
      procedures; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>whether any of the securities will be issued
      as original issue discount securities; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>each office or agency where securities may
      be presented for registration of transfer, exchange or conversion;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the method of determining the amount of any
      payments on the securities which are linked to an index;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>if other than U.S. dollars, the currency or
      currencies in which payments on the securities will be payable, and
      whether the holder may elect payment to be made in a different currency;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>if other than the trustee, the identity of
      the registrar and/or paying agent; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any defeasance of certain obligations by us
      pertaining to the series of securities; and <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any other specific terms of the securities,
      which terms may modify or delete any provision of the applicable indenture
      insofar as it applies to the securities offered; provided, that no terms
      of the indentures may be modified or deleted if they are required under
      the Trust Indenture Act of 1939 and that any modification or deletion of
      the rights, duties or immunities of an indenture trustee shall have been
      consented to in writing by the trustee. </FONT></P></TD></TR></TABLE>
<P align=center><FONT face="Times New Roman" size=2>12 </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Some of our debt securities
may be issued as original issue discount securities. Original issue discount
securities bear no interest or bear interest at below-market rates and will be
sold at a discount below their stated principal amount. The prospectus
supplement will also contain any special tax, accounting or other information
relating to original issue discount securities or relating to certain other
kinds of securities that may be offered, including securities linked to an
index. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Acceleration of
Maturity</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>If an event of default in
connection with any outstanding series of securities occurs and is continuing,
the trustee or the holders of at least 25% in principal amount of the
outstanding securities of that series may declare the principal amount due and
payable immediately. If the securities of that series are original issue
discount securities, the holders of at least 25% in principal amount of those
securities may declare the portion of the principal amount specified in the
terms of that series of securities to be due and payable immediately. In either
case, a written notice may be given to us, and to the trustee, if notice is
given by the holders instead of the trustee. Subject to certain conditions, the
declaration of acceleration may be revoked, and past defaults (except uncured
payment defaults and certain other specified defaults) may be waived, by the
holders of not less than a majority of the principal amount of securities of
that series. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>You should refer to the
prospectus supplement relating to each series of securities for the particular
provisions relating to acceleration of the maturity upon the occurrence and
continuation of an event of default. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Registration and
Transfer</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Unless otherwise indicated in
the applicable prospectus supplement, each series of the offered securities will
be issued in registered form only, without coupons. The indentures will also
allow us to issue the securities in bearer form only, or in both registered and
bearer form. Any securities issued in bearer form will have interest coupons
attached, unless they are issued as zero coupon securities. Securities in bearer
form will not be offered, sold, resold or delivered in connection with their
original issuance in the United States or to any United States person other than
to offices of certain United States financial institutions located outside the
United States. Unless otherwise indicated in the applicable prospectus
supplement, the senior debt securities and subordinated debt securities we are
offering will be issued in denominations of $1,000 or an integral multiple of
$1,000. No service charge will be made for any transfer or exchange of the
securities, but we may require payment of an amount sufficient to cover any tax
or other governmental charge payable in connection with a transfer or exchange.
</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Payment and Paying
Agent</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We will pay principal,
interest and any premium on fully registered securities in the designated
currency or currency unit at the office of a designated paying agent. At our
option, payment of interest on fully registered securities may also be made by
check mailed to the persons in whose names the securities are registered on the
days specified in the indentures or any prospectus supplement. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We will pay principal,
interest and any premium on bearer securities in the designated currency or
currency unit at the office of a designated paying agent or agents outside of
the United States. Payments will be made at the offices of the paying agent in
the United States only if the designated currency is U.S. dollars and payment
outside of the United States is illegal or effectively precluded. If any amount
payable on a security or coupon remains unclaimed at the end of two years after
such amount became due and payable, the paying agent will release any unclaimed
amounts, and the holder of the security or coupon will look only to us for
payment. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The designated paying agent in
the United States for the securities we are offering is provided in the
indentures that are or will be deemed incorporated by reference into this
prospectus. </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 align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Global
Securities</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The securities of a series may be issued in whole or in part in
the form of one or more global certificates (&#147;Global Securities&#148;) that will be deposited with a
depositary that we will identify in a prospectus supplement. Global Securities
may be issued in either registered or bearer form and in either temporary or
permanent form. All Global Securities in bearer form will be deposited with a
depositary outside the United States. Unless and until it is exchanged in whole
or in part for individual certificates evidencing securities in definitive form
represented thereby, a Global Security may not be transferred except as a whole
by the depositary to a nominee of that depositary or by a nominee of that
depositary to a depositary or another nominee of that depositary. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The specific terms of the
depositary arrangements for each series of securities will be described in the
applicable prospectus supplement. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Modification and
Waiver</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Each indenture provides that
modifications and amendments may be made by us and the trustee with the consent
of the holders of a majority in principal amount of the outstanding securities
of each series affected by the amendment or modification. However, no
modification or amendment may, without the consent of each holder affected:
</FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>change the stated
      maturity date of the security; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>reduce the principal amount, any rate of
      interest, or any additional amounts in respect of any security, or reduce
      the amount of any premium payable upon the redemption of any
      security;&nbsp;<BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>change the time or place of payment,
      currency or currencies in which any security or any premium or interest
      thereon is payable; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>impair the holders&#146; rights to institute suit
      for the enforcement of any payment on or after the stated maturity date of
      any security, or in the case of redemption, on or after the redemption
      date; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>reduce the percentage in principal amount of
      securities required to consent to any modification, amendment or waiver
      under the indenture; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>modify, except under limited circumstances,
      any provision of the applicable indenture relating to modification and
      amendment of the indenture, waiver of compliance with conditions and
      defaults thereunder or the right of a majority of holders to take action
      under the applicable indenture; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>adversely affect any rights of conversion;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>in the case of the subordinated indenture,
      alter the provisions regarding subordination of the subordinated debt
      securities in any way that would be adverse to the holders of those
      securities; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>reduce the principal amount of original
      issue discount securities which could be declared due and payable upon an
      acceleration of their maturity; or <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>change our obligation to pay any additional
      amounts. </FONT></P></TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The holders of a majority in
principal amount of the outstanding securities of any series may waive
compliance by us and the trustee with certain provisions of the applicable
indenture. The holders of a majority in principal amount of the outstanding
securities of any series may waive any past default under the applicable
indenture with respect to that series, except a default in the payment of the
principal, or any premium, interest, or additional amounts payable on a security
of that series or in respect of a covenant or provision which under the terms of
the applicable indenture cannot be modified or amended, without the consent of
each affected holder. </FONT></P>
<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><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>With the trustee, we may
modify and amend any indenture without the consent of any holder for any of the
following purposes: </FONT></P>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>to name a successor entity to
      us;</FONT><FONT face="Times New Roman" size=2> <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>to add to our covenants for the benefit of
      the holders of all or any series of securities;<BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>to add to the events of default;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>to add to, delete from or revise the
      conditions, limitations and restrictions on the authorized amount, terms
      or purposes of issue, authentication and delivery of securities, as set
      forth in the applicable indenture; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>to establish the form or terms of securities
of any series and any related coupons;  </FONT><BR><FONT face="Times New Roman" size=2>&nbsp;</FONT></P></TD></TR>

      <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>to provide for the
      acceptance of appointment by a successor trustee; <BR>&nbsp;</FONT></P></TD></TR>

      <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>to make provision for the conversion rights of the holders of the
      securities in certain events; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>to cure any ambiguity, defect or
      inconsistency in the applicable indenture, provided that such action is
      not inconsistent with the provisions of that indenture and does not
      adversely affect the interests of the applicable holders;</FONT><FONT face="Times New Roman" size=2> <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>to modify, eliminate or add to the
      provisions of any indenture to conform our or the trustee&#146;s obligations
      under the applicable indenture to the Trust Indenture Act; or
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>to make any other changes that apply only to
      debt securities to be issued thereafter. </FONT></P></TD></TR></TABLE>
<P align=left><B><FONT face="Times New Roman" size=2>Calculation of Outstanding
Debt Securities</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>To calculate whether the
holders of a sufficient principal amount of the outstanding securities have
given any request, demand, authorization, direction, notice, consent or waiver
under any indenture: </FONT></P>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>In the case of original
      issue discount securities, the principal amount that may be included in
      the calculation is the amount of principal that would be declared to be
      due and payable upon a declaration of acceleration according to the terms
      of that original issue discount security as of the date of the
      calculation. <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>Any securities owned by us, or owned by any
      other obligor of the securities or any affiliate of ours or any other
      obligor, should be disregarded and deemed not to be outstanding for
      purposes of the calculation. </FONT></P></TD></TR></TABLE>
<P align=left><B><FONT face="Times New Roman" size=2>Additional
Provisions</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Other than the duty to act
with the required standard of care during an event of default, the trustee is
not obligated to exercise any of its rights or powers under the applicable
indenture at the request or direction of any of the holders of the securities,
unless the holders have offered the trustee reasonable indemnification. Each
indenture provides that the holders of a majority in principal amount of
outstanding securities of any series may, in certain circumstances, direct the
time, method and place of conducting any proceeding for any remedy available to
the trustee, or exercising any trust or other power conferred on the trustee.
</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>No holder of a security of any
series will have the right to institute any proceeding for any remedy under the
applicable indenture, unless: </FONT></P>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the holder has provided
      the trustee with written notice of a continuing event of default regarding
      the holder&#146;s series of securities; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the holders of at least 25% in principal
      amount of the outstanding securities of a series have made a written
      request, and offered indemnity satisfactory to the trustee, to the trustee
      to institute a proceeding for remedy; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the trustee has failed to institute the
      proceeding within 60 days after its receipt of such notice, request and
      offer of indemnity; and <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the trustee has not received a direction
      during such 60 day period inconsistent with such request from the holders
      of a majority in principal amount of the outstanding securities of that
      series. </FONT></P></TD></TR></TABLE>
<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=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>However, the holder of any
security will have an absolute and unconditional right to receive payment of the
principal, any premium, any interest or any additional amounts in respect of
such security on or after the date expressed in such security and to
institute suit for the enforcement of any such payment. We are required
to file annually with the trustee a certificate of no default, or specifying any
default that exists. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Transactions with the
Trustee</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We and our subsidiaries may
maintain deposit accounts and conduct various banking and other transactions
with an indenture trustee. The trustee and its subsidiaries may maintain deposit
accounts and conduct various banking transactions with us and our subsidiaries.
</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Conversion
Rights</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The applicable prospectus
supplement relating to any convertible debt securities will describe the terms
on which those securities are convertible. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Events of
Default</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The following will be events
of default under the senior indenture with respect to the senior debt securities
of a series: </FONT></P>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>failure to pay any
      interest or any additional amounts on any senior debt security of that
      series when due, and continuance of such default for 30 days;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>failure to pay principal of, or any premium
      on, any senior debt security of that series when due;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>failure to deposit any sinking fund payment
      for a senior debt security of that series when due; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>failure to perform any of our other
      covenants or warranties in the senior indenture or senior debt securities
      (other than a covenant or warranty included in that indenture solely for
      the benefit of a different series of senior debt securities), which has
      continued for 90 days after written notice as provided in the senior
      indenture; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>acceleration of indebtedness in a principal
      amount specified in a supplemental indenture for money borrowed by us
      under the senior indenture, and the acceleration is not annulled, or the
      indebtedness is not discharged, within a specified period after written
      notice is given according to the senior indenture;&nbsp;
      &nbsp;<BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>certain events in bankruptcy, insolvency or
      reorganization of us or Southern First Bank; and <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any other event of default regarding that
      series of senior debt securities. </FONT></P></TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Unless otherwise described in
the prospectus supplement applicable to a particular series of subordinated debt
securities, events of default under the subordinated indenture are limited to
certain events of bankruptcy, insolvency or reorganization of us or Southern
First Bank. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>There is no right of
acceleration of the payment of principal of a series of subordinated debt
securities upon a default in the payment of principal or interest, nor upon a
default in the performance of any covenant or agreement in the subordinated debt
securities of a particular series or in the applicable indenture. In the event
of a default in the payment of interest or principal, the holders of senior debt
will be entitled to be paid in full before any payment can be made to holders of
subordinated debt securities. However, a holder of a subordinated debt security
(or the trustee under the applicable indenture on behalf of all of the holders
of the affected series) may, subject to certain limitations and conditions, seek
to enforce overdue payments of interest or principal on the subordinated debt
securities. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Subordination</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The senior debt securities
will be unsecured and will rank equally among themselves and with all of our
other unsecured and non-subordinated debt, if any. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The subordinated debt
securities will be unsecured and will be subordinate and junior in right of
payment, to the extent and in the manner set forth below, to the prior payment
in full of all of the Company&#146;s senior debt, as more fully described in the
applicable prospectus supplement. </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=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>If any of the following
circumstances has occurred, payment in full of all principal, premium, if any,
and interest must be made or provided for with respect to all outstanding senior
debt before we can make any payment or distribution of principal, premium, if
any, any additional amounts or interest on the subordinated debt securities:
</FONT></P>
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  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any insolvency, bankruptcy, receivership,
      liquidation, reorganization or other similar proceeding relating to us or
      to our property has been commenced; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any voluntary or involuntary liquidation,
      dissolution or other winding up relating to us has been commenced, whether
      or not such event involves our insolvency or bankruptcy;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any of our subordinated debt security of any
      series is declared or otherwise becomes due and payable before its
      maturity date because of any event of default under the subordinated
      indenture, provided that such declaration has not been rescinded or
      annulled as provided in the subordinated indenture; or
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any default with respect to senior debt
      which permits its holders to accelerate the maturity of the senior debt
      has occurred and is continuing, and either (a) notice of such default has
      been given to us and to the trustee and judicial proceedings are commenced
      in respect of such default within 180 days after notice in the case of a
      default in the payment of principal or interest, or within 90 days after
      notice in the case of any other default, or (b) any judicial proceeding is
      pending with respect to any such default. </FONT></P></TD></TR></TABLE>
<P align=center><B><FONT face="Times New Roman" size=2><A NAME="DescriptionofPreferredStock"></A>DESCRIPTION OF PREFERRED
STOCK</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>For purposes of this section,
the terms &#147;we,&#148; &#147;our&#148; and &#147;us&#148; refer only to Southern First Bancshares, Inc. and
not to its subsidiaries. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The following outlines the
general provisions of the shares of preferred stock, par value $0.01 per share,
which we may offer from time to time. The specific terms of a series of
preferred stock will be described in the applicable prospectus supplement
relating to that series of preferred stock. The following description of the
preferred stock and any description of preferred stock in a prospectus
supplement is only a summary and is subject to and qualified in its entirety by
reference to the articles of amendment to our amended and restated articles of
incorporation relating to the particular series of preferred stock, a copy of
which we will file with the SEC in connection with the sale of any series of
preferred stock.</FONT><FONT face="Times New Roman" size=2> </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>General</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Under our amended and restated
articles of incorporation, our board of directors is authorized, without
shareholder approval, to adopt resolutions providing for the issuance of up to
10,000,000 shares of preferred stock, par value $0.01 per share, in one or more
series. As of the date of this prospectus, no shares of our preferred stock are
issued and outstanding.</FONT><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our board of directors may fix
the voting powers, designations, preferences, rights, qualifications,
limitations and restrictions of each series of preferred stock that we may
offer. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>In addition, as described
under &#147;Description of Depositary Shares,&#148; we may, instead of offering full
shares of any series of preferred stock, offer depositary shares evidenced by
depositary receipts, each representing a fraction of a share of the particular
series of preferred stock issued and deposited with a depositary. The fraction
of a share of preferred stock which each depositary share represents will be set
forth in the prospectus supplement relating to such depositary shares.
</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The prospectus supplement
relating to a particular series of preferred stock will contain a description of
the specific terms of that series, including, as applicable: </FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the title, designation, number of shares and
      stated or liquidation value of the preferred stock; <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the dividend amount or rate or method of
      calculation, the payment dates for dividends and the place or places where
      the dividends will be paid, whether dividends will be cumulative or
      noncumulative, and, if cumulative, the dates from which dividends will
      begin to accrue;<BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any conversion or exchange rights;
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>whether the preferred stock will be subject
      to redemption and the redemption price and other terms and conditions
relative to the
      redemption rights;</FONT></P></TD></TR></TABLE>
<P align=center><FONT face="Times New Roman" size=2>17 </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>


  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any liquidation rights;</FONT><FONT face="Times New Roman" size=2> <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any sinking fund
      provisions;</FONT><FONT face="Times New Roman" size=2>
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any voting
      rights;</FONT><FONT face="Times New Roman" size=2>
  <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the exchange or market,
      if any, where the preferred stock will be listed or traded; and
      <BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>any other rights, preferences, privileges,
      limitations and restrictions that are not inconsistent with the terms of
      the our amended and restated articles of incorporation.
  </FONT></P></TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Upon the issuance and payment
for shares of preferred stock, the shares will be fully paid and nonassessable.
Except as otherwise may be specified in the prospectus supplement relating to a
particular series of preferred stock, holders of preferred stock will not have
any preemptive or subscription rights to acquire any class or series of our
capital stock and each series of preferred stock will rank on a parity in all
respects with each other series of our preferred stock and prior to our common
stock as to dividends and any distribution of our assets. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The authorization of the
preferred stock could have the effect of making it more difficult or time
consuming for a third party to acquire a majority of our outstanding voting
stock or otherwise effect a change of control. Shares of the preferred stock may
also be sold to third parties that indicate that they would support the board of
directors in opposing a hostile takeover bid. The availability of the preferred
stock could have the effect of delaying a change of control and of increasing
the consideration ultimately paid to our shareholders. The board of directors
may authorize the issuance of preferred stock for capital-raising activities,
acquisitions, joint ventures or other corporate purposes that have the effect of
making an acquisition of the Company more difficult or costly, as could also be
the case if the board of directors were to issue additional common stock for
such purposes. See &#147;Anti-Takeover Effects of Certain Articles of Incorporation
Provisions.&#148; </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Redemption</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>If so specified in the
applicable prospectus supplement, a series of preferred stock may be redeemable
at any time, in whole or in part, at our option, and may be mandatorily
redeemable or convertible. Restrictions, if any, on the repurchase or redemption
by us of any series of our preferred stock will be described in the applicable
prospectus supplement relating to that series. Generally, any redemption of our
preferred stock will be subject to prior Federal Reserve approval. Any partial
redemption of a series of preferred stock would be made in the manner described
in the applicable prospectus supplement relating to that series. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Upon the redemption date of
shares of preferred stock called for redemption or upon our earlier call and
deposit of the redemption price, all rights of holders of the preferred stock
called for redemption will terminate, except for the right to receive the
redemption price. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Dividends</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Holders of each series of
preferred stock will be entitled to receive cash dividends only when, as and if
declared by our board of directors out of funds legally available for dividends.
The rates or amounts and dates of payment of dividends will be described in the
applicable prospectus supplement relating to each series of preferred stock.
Dividends will be payable to holders of record of preferred stock on the record
dates fixed by our board of directors. Dividends on any series of preferred
stock may be cumulative or noncumulative, as described in the applicable
prospectus supplement. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our board of directors may not
declare, pay or set apart funds for payment of dividends on a particular series
of preferred stock unless full dividends on any other series of preferred stock
that ranks equally with or senior to such series of preferred stock with respect
to the payments of dividends have been paid or sufficient funds have been set
apart for payment for either of the following: </FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>all prior dividend
      periods of each such series of preferred stock that pay dividends on a
      cumulative basis; or<BR>&nbsp;</FONT></P></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">
      <P align=left><FONT face="Times New Roman" size=2>the immediately preceding dividend period of
      each such series of preferred stock that pays dividends on a noncumulative
      basis.</FONT><FONT face="Times New Roman" size=2>
</FONT></P></TD></TR></TABLE>
<P align=center><FONT face="Times New Roman" size=2>18 </FONT></P>
<HR align=center width="100%" noShade size="2">


<!--PART 06-->
<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Partial dividends declared on
shares of any series of preferred stock and other series of preferred stock
ranking on an equal basis as to dividends will be declared pro rata. A pro rata
declaration means that the ratio of dividends declared per share to accrued
dividends per share will be the same for all series of preferred stock of equal
priority.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Liquidation
Preference</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>In the event of the
liquidation, dissolution or winding-up of us, holders of each series of
preferred stock will have the right to receive distributions upon liquidation in
the amount described in the applicable prospectus supplement relating to each
series of preferred stock, plus an amount equal to any accrued but unpaid
dividends. These distributions will be made before any distribution is made on
our common stock or on any securities ranking junior to such preferred stock
upon liquidation, dissolution or winding-up. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>However, holders of the shares
of preferred stock will not be entitled to receive the liquidation price of
their shares until we have paid or set aside an amount sufficient to pay in full
the liquidation preference of any class or series of our capital stock ranking
senior as to rights upon liquidation, dissolution or winding up. Unless
otherwise provided in the applicable prospectus supplement, neither a
consolidation or merger of the Company with or into another corporation nor a
merger of another corporation with or into the Company nor a sale or transfer of
all or part of the Company&#146;s assets for cash or securities will be considered a
liquidation, dissolution or winding up of the Company.</FONT><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>If the liquidation amounts
payable to holders of preferred stock of all series ranking on a parity
regarding liquidation are not paid in full, the holders of the preferred stock
of these series will have the right to a ratable portion of our available assets
up to the full liquidation preference. Holders of these series of preferred
stock or such other securities will not be entitled to any other amounts from us
after they have received their full liquidation preference. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Conversion and
Exchange</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The prospectus supplement will
indicate whether and on what terms the shares of any future series of preferred
stock will be convertible into or exchangeable for shares of any other class,
series or security of the Company or any other corporation or any other property
(including whether the conversion or exchange is mandatory, at the option of the
holder or our option, the period during which conversion or exchange may occur,
the initial conversion or exchange price or rate and the circumstances or manner
in which the amount of common or preferred stock or other securities issuable
upon conversion or exchange may be adjusted). It will also indicate for
preferred stock convertible into common stock, the number of shares of common
stock to be reserved in connection with, and issued upon conversion of, the
preferred stock (including whether the conversion or exchange is mandatory, the
initial conversion or exchange price or rate and the circumstances or manner in
which the amount of common stock issuable upon conversion or exchange may be
adjusted) at the option of the holder or our option and the period during which
conversion or exchange may occur.</FONT><FONT face="Times New Roman" size=2>
</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Voting
Rights</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The holders of shares of
preferred stock will have no voting rights, except: </FONT></P>

<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0> <TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT face="Times New Roman" size=2>as otherwise stated in the
applicable prospectus supplement;<BR>&nbsp;</FONT></TD></TR> <TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT face="Times New Roman" size=2>as otherwise stated in the articles of amendment
to our amended and restated articles of incorporation establishing the series of
such preferred stock; and<BR>&nbsp;</FONT></TD></TR> <TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT face="Times New Roman" size=2>as otherwise required by
applicable law.</FONT></TD></TR></TABLE>


<P align=left><B><FONT face="Times New Roman" size=2>Transfer Agent and
Registrar</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The transfer agent, registrar,
dividend paying agent and depositary, if any, for any preferred stock offering
will be stated in the applicable prospectus supplement. </FONT></P>
<P align=center><B><A NAME="DescriptionofDepositaryShares"></A><FONT face="Times New Roman" size=2>DESCRIPTION OF DEPOSITARY
SHARES </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The following briefly
summarizes the general provisions of the depositary shares representing a
fraction of a share of preferred stock of a specific series, or &#147;depositary
shares,&#148; and depositary receipts (as defined below) that we may issue from time
to time and which would be important to holders of depositary receipts. The
specific terms of any depositary shares or depositary receipts, including
pricing and related terms, will be disclosed in the applicable prospectus
supplement. The prospectus supplement will also state whether any of the general
provisions summarized below apply or not to the depositary shares or depositary
receipts being offered. The following description and any description in a
prospectus supplement is a summary only and is subject to, and qualified in its
entirety by reference to the terms and provisions of the deposit agreement(s),
which we will file with the SEC in connection with an issuance of depositary
shares. </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=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Description of Depositary
Shares</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may offer depositary shares
evidenced by receipts for such depositary shares, which we sometimes refer to as
&#147;depositary receipts.&#148; Each depositary receipt represents a fraction of a share
of the particular series of preferred stock issued and deposited with a
depositary. The fraction of a share of preferred stock which each depositary
share represents will be set forth in the applicable prospectus
supplement.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We will deposit the shares of
any series of preferred stock represented by depositary shares according to the
provisions of a deposit agreement to be entered into between us and a bank or
trust company, which we will select as our preferred stock depositary, and which
may be the same institution that serves as an indenture trustee. The depositary
must have its principal office in the United States and have combined capital
and surplus of at least $50,000,000. We will name the depositary in the
applicable prospectus supplement. Each owner of a depositary share will be
entitled to all the rights and preferences of the underlying preferred stock in
proportion to the applicable fraction of a share of preferred stock represented
by the depositary share. These rights include dividend, voting, redemption,
conversion and liquidation rights. The depositary will send the holders of
depositary shares all reports and communications that we deliver to the
depositary and which we are required to furnish to the holders of depositary
shares. We may issue depositary receipts in temporary, definitive or book-entry
form.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Withdrawal of Preferred
Stock</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>A holder of depositary shares
may receive the number of whole shares of the series of preferred stock and any
money or other property represented by the holder&#146;s depositary receipts after
surrendering the depositary receipts at the corporate trust office of the
depositary. Partial shares of preferred stock will not be issued. If the
surrendered depositary shares exceed the number of depositary shares that
represent the number of whole shares of preferred stock the holder wishes to
withdraw, then the depositary will deliver to the holder at the same time a new
depositary receipt evidencing the excess number of depositary shares. Once the
holder has withdrawn the preferred stock, the holder will not be entitled to
re-deposit such preferred stock under the deposit agreement or to receive
depositary shares in exchange for such preferred stock.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Dividends and Other
Distributions</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Holders of depositary shares
of any series will receive their pro rata share of cash dividends or other cash
distributions received by the depositary on the preferred stock of that series
held by it. Each holder will receive these distributions in proportion to the
number of depositary shares owned by the holder. The depositary will distribute
only whole United States dollars and cents. The depositary will add any
fractional cents not distributed to the next sum received for distribution to
record holders of depositary shares. In the event of a non-cash distribution,
the depositary will distribute property to the record holders of depositary
shares, unless the depositary determines that it is not feasible to make such a
distribution. If this occurs, the depositary, with our approval, may sell the
property and distribute the net proceeds from the sale to the
holders.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Redemption of Depositary
Shares</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>If a series of preferred stock
represented by depositary shares is subject to redemption, then we will give the
necessary proceeds to the depositary. The depositary will then redeem the
depositary shares using the funds they received from us for the preferred stock.
The depositary will notify the record holders of the depositary shares to be
redeemed not less than 30 days nor more than 60 days before the date fixed for
redemption at the holders&#146; addresses appearing in the depositary&#146;s books. The
redemption price per depositary share will be equal to the redemption price
payable per share for the applicable series of the preferred stock and any other
amounts per share payable with respect to that series of preferred stock
multiplied by the fraction of a share of preferred stock represented by one
depositary share. Whenever we redeem shares of a series of preferred stock held
by the depositary, the depositary will redeem the depositary shares representing
the shares of preferred stock on the same day. If fewer than all the depositary
shares of a series are to be redeemed, the depositary shares will be selected by
lot, ratably or by such other equitable method as we and the depositary may
determine.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Upon and after the redemption
of shares of the underlying series of preferred stock, the depositary shares
called for redemption will no longer be considered outstanding. Therefore, all
rights of holders of the depositary shares will then cease, except that the
holders will still be entitled to receive any cash payable upon the redemption
and any money or other property to which the holder was entitled at the time of
redemption.</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>20</FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Voting
Rights</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Upon receipt of notice of any
meeting at which the holders of preferred stock of the related series are
entitled to vote, the depositary will notify holders of depositary shares of the
upcoming vote and arrange to deliver our voting materials to the holders. The
record date for determining holders of depositary shares that are entitled to
vote will be the same as the record date for the related series of preferred
stock. The materials the holders will receive will (1) describe the matters to
be voted on and (2) explain how the holders, on a certain date, may instruct the
depositary to vote the shares of preferred stock underlying the depositary
shares. For instructions to be valid, the depositary must receive them on or
before the date specified. The depositary will attempt, as far as practical, to
vote the shares as instructed by the holder. We will cooperate with the
depositary to enable it to vote as instructed by holders of depositary shares.
If any holder does not instruct the depositary how to vote the holder&#146;s shares,
the depositary will abstain from voting those shares.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Conversion or
Exchange</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The depositary will convert or
exchange all depositary shares on the same day that the preferred stock
underlying the depositary shares is converted or exchanged. In order for the
depositary to do so, we will deposit with the depositary any other preferred
stock, common stock or other securities into which the preferred stock is to be
converted or for which it will be exchanged.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The exchange or conversion
rate per depositary share will be equal to the exchange or conversion rate per
share of preferred stock, multiplied by the fraction of a share of preferred
stock represented by one depositary share. All amounts per depositary share
payable by us for dividends that have accrued on the preferred stock to the
exchange or conversion date that have not yet been paid shall be paid in
appropriate amounts on the depositary shares.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The depositary shares, as
such, cannot be converted or exchanged into other preferred stock, common stock,
securities of another issuer or any other of our securities or property.
Nevertheless, if so specified in the applicable prospectus supplement, a holder
of depositary shares may be able to surrender the depositary receipts to the
depositary with written instructions asking the depositary to instruct us to
convert or exchange the preferred stock represented by the depositary shares
into other shares of preferred stock or common stock or to exchange the
preferred stock for securities of another issuer. If the depositary shares carry
this right, we would agree that, upon the payment of applicable fees and taxes,
if any, we will cause the conversion or exchange of the preferred stock using
the same procedures as we use for the delivery of preferred stock. If a holder
is only converting part of the depositary shares represented by a depositary
receipt, new depositary receipts will be issued for any depositary shares that
are not converted or exchanged.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Amendment and Termination
of the Deposit Agreement</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may agree with the
depositary to amend the deposit agreement and the form of depositary receipt
without consent of the holder at any time. However, if the amendment adds or
increases fees or charges payable by holders of the depositary shares or
prejudices an important right of holders, it will only become effective with the
approval of holders of at least a majority of the affected depositary shares
then outstanding. If an amendment becomes effective, holders are deemed to agree
to the amendment and to be bound by the amended deposit agreement if they
continue to hold their depositary receipts.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The deposit agreement will
automatically terminate if:</FONT></P>

<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0> <TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT face="Times New Roman" size=2>all outstanding depositary
shares have been redeemed and all amounts payable upon redemption have been
paid;<BR>&nbsp;</FONT></TD></TR> <TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT face="Times New Roman" size=2>each share of preferred stock held by the
depositary has been converted into or exchanged for common stock, other
preferred stock or other securities; or<BR>&nbsp;</FONT></TD></TR> <TR> <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD> <TD vAlign=top width="99%"><FONT face="Times New Roman" size=2>a final distribution in respect of the preferred
stock held by the depositary has been made to the holders of depositary receipts
in connection with our liquidation, dissolution or winding-up.</FONT></TD></TR></TABLE>



<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may also terminate the
deposit agreement at any time. Upon such event, the depositary will give notice
of termination to the holders not less than 30 days before the termination date.
Once depositary receipts are surrendered to the depositary, it will send to each
holder the number of whole and fractional shares of the series of preferred
stock underlying that holder&#146;s depositary receipts, provided that, at our
election we may pay cash in lieu of fractional shares of preferred stock that
may be issuable. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>21 </FONT></P>
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<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Charges of Depositary and
Expenses</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We will pay all transfer and
other taxes and governmental charges in connection with the establishment of the
depositary arrangements. We will pay all charges and fees of the depositary for
the initial deposit of the preferred stock, the depositary&#146;s services and
redemption of the preferred stock. Holders of depositary shares will pay
transfer and other taxes and governmental charges and the charges that are
provided in the deposit agreement to be for the holder&#146;s account.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Limitations on Our
Obligations and Liability to Holders of Depositary Receipts</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The deposit agreement will
limit our obligations and the obligations of the depositary. It will also limit
our liability and the liability of the depositary as follows: </FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">We and the depositary will only be obligated to
      take the actions specifically set forth in the deposit agreement in good
      faith; <BR>&nbsp;&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">We and the depositary will not be liable if
      either is prevented or delayed by law or circumstances beyond our or its
      control from performing our or its obligations under the deposit
      agreement;<BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">We and the depositary will not be liable if
      either exercises discretion permitted under the deposit
      agreement;<BR>&nbsp;&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">We and the depositary will have no obligation
      to become involved in any legal or other proceeding related to the
      depositary receipts or the deposit agreement on behalf of the holders of
      depositary receipts or any other party, unless we and the depositary are
      provided with satisfactory indemnity; and <BR>&nbsp;&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">We and the depositary will be permitted to rely
      upon any written advice of counsel or accountants and on any documents we
      believe in good faith to be genuine and to have been signed or presented
      by the proper party.</TD></TR></TABLE>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>In the deposit agreement, we
will agree to indemnify the depositary under certain circumstances. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Resignation and Removal of
Depositary</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The depositary may resign at
any time by notifying us of its election to do so. In addition, we may remove
the depositary at any time. Such resignation or removal will take effect when we
appoint a successor depositary and it accepts the appointment. We must appoint
the successor depositary within 60 days after delivery of the notice of
resignation or removal and the new depositary must be a bank or trust company
having its principal office in the United States and having a combined capital
and surplus of at least $50,000,000. </FONT></P>
<P align=center><B><A NAME="DescriptionofCommonStock"></A><FONT face="Times New Roman" size=2>DESCRIPTION OF COMMON
STOCK</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>For purposes of this section,
the terms &#147;we,&#148; &#147;our&#148; and &#147;us&#148; refer only to Southern First Bancshares, Inc. and
not its subsidiaries.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The following description of
shares of our common stock, par value $0.01 per share, is a summary only and is
subject to, and is qualified by reference to, applicable provisions of the South
Carolina Business Corporation Act (the &#147;Business Corporation Act&#148;), our amended
and restated articles of incorporation, and our amended and restated bylaws,
which are incorporated by reference into this prospectus. You should refer to,
and read this summary together with, our amended and restated articles of
incorporation and amended and restated bylaws to review all of the terms of our
common stock.</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>General</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>As of the date of this
prospectus, our amended and restated articles of incorporation provide that we
may issue up to 10,000,000 shares of common stock, par value of $0.01 per share.
As of February 24, 2017, 6,466,945 shares of our common stock were issued and
outstanding. All outstanding shares of our common stock are fully paid and
nonassessable. Our common stock is listed on the NASDAQ Global Market under the
symbol &#147;SFST&#148;.<FONT face="Times New Roman" size=2> </FONT></FONT></P>
<P align=center><FONT face="Times New Roman" size=2>22</FONT></P>
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<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Voting
Rights</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Each outstanding share of our
common stock entitles the holder to one vote on all matters submitted to a vote
of common shareholders, including the election of directors. The holders of our
common stock possess exclusive voting power, except as otherwise provided by law
or by articles of amendment establishing any series of our preferred
stock.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>There is no cumulative voting
in the election of directors. The holders of a majority of the votes cast by our
common shareholders can elect all of the directors then standing for election by
the common shareholders. When a quorum is present at any meeting, questions
brought before the meeting will be decided by the vote of the holders of a
majority of the shares present and voting on such matter, whether in person or
by proxy, except when the meeting concerns matters requiring the vote of a
greater number of affirmative votes under applicable South Carolina law or our
amended and restated articles of incorporation. Our amended and restated
articles of incorporation provide certain provisions that may limit
shareholders&#146; ability to effect a change in control as described under the
section below entitled &#147;Anti-Takeover Effects of Certain Articles of
Incorporation Provisions.&#148; </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Dividends, Liquidation and
Other Rights</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Holders of shares of common
stock are entitled to receive dividends only when, as and if approved by our
board of directors from funds legally available for the payment of dividends.
Our shareholders are entitled to share ratably in our assets legally available
for distribution to our shareholders in the event of our liquidation,
dissolution or winding up, voluntarily or involuntarily, after payment of, or
adequate provision for, all of our known debts and liabilities. These rights are
subject to the preferential rights of any series of our preferred stock that may
then be outstanding. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Holders of shares of our
common stock have no preference, conversion, exchange, sinking fund or
redemption rights and have no preemptive rights to subscribe for any of our
securities. Our board of directors may issue additional shares of our common
stock or rights to purchase shares of our common stock without the approval of
our shareholders. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Transfer Agent and
Registrar</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Subject to compliance with
applicable federal and state securities laws, our common stock may be
transferred without any restrictions or limitations. The transfer agent and
registrar for shares of our common stock is Registrar &amp; Transfer Company.
</FONT></P>
<P STYLE="text-align: center"><A NAME="DescriptionofPurchaseContracts"></A><B><FONT face="Times New Roman" size=2>DESCRIPTION OF PURCHASE
CONTRACTS </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We also may issue purchase
contracts, including contracts obligating holders to purchase from us, and
obligating us to sell to holders, a fixed or varying number of shares of common
stock, preferred stock, depositary shares or debt securities at a future date or
dates. The consideration per share of common stock, preferred stock, depositary
shares or debt securities may be fixed at the time that the purchase contracts
are issued or may be determined by reference to a specific formula set forth in
the purchase contracts. Any purchase contract may include anti-dilution
provisions to adjust the number of shares issuable pursuant to such purchase
contract upon the occurrence of certain events. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The purchase contracts may be
issued separately or as a part of units consisting of a purchase contract, debt
securities and preferred securities. These contracts, and the holders&#146;
obligations to purchase shares of our common stock, preferred stock, depositary
shares or debt securities under the purchase contracts may be secured by cash,
certificates of deposit, U.S. government securities that will mature prior to or
simultaneously with, the maturity of the purchase contract, standby letters of
credit from an affiliated U.S. bank that is FDIC-insured or other collateral
satisfactory to the Federal Reserve. The purchase contracts may require us to
make periodic payments to holders of the purchase units, or vice versa, and such
payments may be unsecured or prefunded and may be paid on a current or on a
deferred basis. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Any one or more of the above
securities, common stock or the purchase contracts or other collateral may be
pledged as security for the holders&#146; obligations to purchase or sell, as the
case may be, the common stock or preferred stock under the purchase contracts.
</FONT></P>

<P align=center><FONT face="Times New Roman" size=2>23</FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><A NAME="DescriptionofUnits"></A><B><FONT face="Times New Roman" size=2>DESCRIPTION OF
UNITS</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We also may offer two or more
of the securities described in this prospectus in the form of a &#147;unit&#148;,
including pursuant to a unit agreement. The unit may be transferable only as a
whole, or the securities comprising a unit may, as described in the prospectus
supplement, be separated and transferred by the holder separately. There may or
may not be an active market for units or the underlying securities, and not all
the securities comprising a unit may be listed or traded on a securities
exchange or market.</FONT></P>
<P align=center><B><FONT face="Times New Roman" size=2><A NAME="DescriptionofWarrants"></A>DESCRIPTION OF
WARRANTS</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>For purposes of this section,
the terms &#147;we,&#148; &#147;our&#148; and &#147;us&#148; refer only to Southern First Bancshares, Inc. and
not to its subsidiaries. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>General</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may issue warrants in one
or more series to purchase senior debt securities, subordinated debt securities,
preferred stock, depositary shares, common stock or any combination of these
securities. Warrants may be issued independently or together with any underlying
securities and may be attached to or separate from the underlying securities. We
will issue each series of warrants under a separate warrant agreement to be
entered into between us and a warrant agent. The warrant agent will act solely
as our agent in connection with the warrants of such series and will not assume
any obligation or relationship of agency for or on behalf of holders or
beneficial owners of warrants. The following outlines some of the general terms
and provisions of the warrants. Further terms of the warrants and the applicable
warrant agreement will be stated in the applicable prospectus supplement. The
following description and any description of the warrants in a prospectus
supplement are not complete and are subject to and qualified in their entirety
by reference to the terms and provisions of the warrant agreement, which we will
file with the SEC in connection with the issuance of any warrants. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The applicable prospectus
supplement will describe the terms of any warrants, including the following, as
may be applicable: </FONT></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; BORDER-COLLAPSE: collapse; TEXT-ALIGN: left" cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">the title of the warrants;<BR>&nbsp;&nbsp;
  </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">the total number of warrants to be
      issued;<BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">the consideration for which we will issue the
      warrants, including the applicable currency or currencies; <BR>&nbsp;
  </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">anti-dilution provisions to adjust the number
      of shares of our common stock or other securities to be delivered upon
      exercise of the warrants;<BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">the designation and terms of the underlying
      securities purchasable upon exercise of the warrants;<FONT face="Times New Roman" size=2> <BR>&nbsp; </FONT></TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">the price at which and the currency or
      currencies in which investors may purchase the underlying securities
      purchasable upon exercise of the warrants; <BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">the dates on which the right to exercise the
      warrants will commence and expire;<BR>&nbsp;&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">the procedures and conditions relating to the
      exercise of the warrants;<BR>&nbsp;&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">whether the warrants will be in registered or
      bearer form;<BR>&nbsp;&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">information with respect to book-entry
      registration and transfer procedures, if any;<BR>&nbsp;&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">the minimum or maximum amount of warrants which
      may be exercised at any one time;<BR>&nbsp;&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">the designation and terms of the underlying
      securities with which the warrants are issued and the number of warrants
      issued with each underlying security; <BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">the date on and after which the warrants and
      securities issued with the warrants will be separately transferable;
      <BR>&nbsp;&nbsp;&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">a discussion of material United States federal
      income tax considerations;&nbsp;&nbsp;&nbsp; <BR>&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">the identity of the warrant agent;
      and<BR>&nbsp;&nbsp; &nbsp;&nbsp; </TD></TR>
  <TR>
    <TD style="PADDING-RIGHT: 8pt; PADDING-LEFT: 15pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
    <TD vAlign=top width="99%">any other terms of the warrants, including
      terms, procedures and limitations relating to the exchange, transfer and
      exercise of the warrants. </TD></TR></TABLE>

<P align=center><FONT face="Times New Roman" size=2>24</FONT></P>
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<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Warrant certificates may be exchanged for new warrant certificates of
different denominations, and warrants may be exercised at the warrant agent&#146;s
corporate trust office or any other office indicated in the applicable
prospectus supplement. Prior to the exercise of their warrants, holders of
warrants exercisable for debt securities will not have any of the rights of
holders of the debt securities purchasable upon such exercise and will not be
entitled to payments of principal (or premium, if any) or interest, if any, on
the debt securities purchasable upon such exercise. Prior to the exercise of
their warrants, holders of warrants exercisable for shares of common stock,
preferred stock or depositary shares will not have any rights of holders of the
common stock, preferred stock or depositary shares purchasable upon such
exercise, including any rights to vote such shares or to receive any
distributions or dividends thereon. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Exercise of
Warrants</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>A warrant will entitle the
holder to purchase for cash an amount of securities at an exercise price that
will be stated in, or that will be determinable as described in, the applicable
prospectus supplement. Warrants may be exercised at any time prior to the close
of business on the expiration date and in accordance with the procedures set
forth in the applicable prospectus supplement. Upon and after the close of
business on the expiration date, unexercised warrants will be void and have no
further force, effect or value. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Enforceability of
Rights</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The holders of warrants,
without the consent of the warrant agent, may, on their own behalf and for their
own benefit, enforce, and may institute and maintain any suit, action or
proceeding against us to enforce their rights to exercise and receive the
securities purchasable upon exercise of their warrants.</FONT><FONT face="Times New Roman" size=2> </FONT></P>
<P align=center><A NAME="DescriptionofRights"></A><B><FONT face="Times New Roman" size=2>DESCRIPTION OF RIGHTS
</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>For purpose of this section,
the terms &#147;we&#148;, &#147;our&#148;, &#147;our&#148; and &#147;us&#148; refer only to Southern First Bancshares,
Inc. and not to its subsidiaries. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The following briefly
summarizes the general provisions of rights that we may offer to purchase
additional shares of our common stock or any series of preferred stock, which we
may issue. The following description and any description in a prospectus
supplement is a summary only and is subject to, and qualified in its entirety by
reference to the terms and provisions of the rights, which we will file with the
SEC in connection with an issuance of rights to holders of our common stock or
any series of our preferred stock. The specific terms of any rights, including
the period during which the rights may be exercised, the manner of exercising
such rights, and the transferability of rights, will be disclosed in the
applicable prospectus supplement. Although we may issue rights, in our sole
discretion, we have no obligation to do so.</FONT><FONT face="Times New Roman" size=2> </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>General</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may distribute rights,
which may or may not be transferable, to the holders of our common stock or any
series of our preferred stock as of a record date set by our board of directors,
at no cost to such holders. Each holder will be given the right to purchase a
specified number of whole shares of our common stock or preferred stock for
every share of our common stock or a series of preferred stock that the holder
thereof owned on such record date, as set forth in the applicable prospectus
supplement. Unless otherwise provided in an applicable prospectus supplement, no
fractional rights or rights to purchase fractional shares will be distributed in
any rights offering. The rights will be evidenced by rights certificates, which
may be in definitive or book-entry form. Each right will entitle the holder to
purchase shares of our common stock or a series of preferred stock at a rate and
price per share to be established by our board of directors, as set forth in the
applicable prospectus supplement. If holders of rights wish to exercise their
rights, they must do so before the expiration date of the rights offering, as
set forth in the applicable prospectus supplement. Upon the expiration date, the
rights will expire and will no longer be exercisable, unless, in our sole
discretion prior to the expiration date, we extend the rights offering.
</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Exercise
Price</FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT size=2 face="Times New Roman">Our board of directors will determine the exercise
price or prices for the rights based upon a number of factors, including,
without limitation, our business prospects; our capital requirements; the price
or prices at which an underwriter or standby purchasers may be willing to
purchase shares that remain unsold in the rights offering; and general
conditions in the securities markets, especially for securities of financial
institutions. The subscription price may or may not reflect the actual or
long-term fair value of the common stock or preferred stock offered in the
rights offering. We provide no assurances as to the market values or liquidity
of any rights issued, or as to whether or not the market prices of the common
stock or preferred stock subject to the rights will be more or less than the
rights&#146; exercise price during the term of the rights or after the rights expire.
</FONT></P>
<P align=center><FONT face="Times New Roman" size=2>25</FONT></P>
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<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Exercising Rights; Fees and
Expenses</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The manner of exercising
rights will be set forth in the applicable prospectus supplement. Any
subscription agent or escrow agent will be set forth in the applicable
prospectus supplement. We will pay all fees charged by any subscription agent
and escrow agent in connection with the distribution and exercise of rights.
Rights holders will be responsible for paying all other commissions, fees, taxes
or other expenses incurred in connection with their transfer of rights that are
transferable. Neither we nor the subscription agent will pay such expenses.
</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Expiration of
Rights</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The applicable prospectus
supplement will set forth the expiration date and time (&#147;Expiration Date&#148;) for
exercising rights. If holders of rights do not exercise their rights prior to
such time, their rights will expire and will no longer be exercisable and will
have no value. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We will extend the Expiration
Date as required by applicable law and may, in our sole discretion, extend the
Expiration Date. If we elect to extend the Expiration Date, we will issue a
press release announcing such extension prior to the scheduled Expiration Date.
</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Withdrawal and
Termination</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may withdraw the rights
offering at any time prior to the Expiration Date for any reason. We may
terminate the rights offering, in whole or in part, at any time before
completion of the rights offering if there is any judgment, order, decree,
injunction, statute, law or regulation entered, enacted, amended or held to be
applicable to the rights offering that in the sole judgment of our board of
directors would or might make the rights offering or its completion, whether in
whole or in part, illegal or otherwise restrict or prohibit completion of the
rights offering. We may waive any of these conditions and choose to proceed with
the rights offering even if one or more of these events occur. If we terminate
the rights offering, in whole or in part, all affected rights will expire
without value, and all subscription payments received by the subscription agent
will be returned promptly without interest. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Rights of
Subscribers</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Holders of rights will have no
rights as shareholders with respect to the shares of common stock or preferred
stock for which the rights may be exercised until they have exercised their
rights by payment in full of the exercise price and in the manner provided in
the prospectus supplement, and such shares of common stock or preferred stock,
as applicable, have been issued to such persons. Holders of rights will have no
right to revoke their subscriptions or receive their monies back after they have
completed and delivered the materials required to exercise their rights and have
paid the exercise price to the subscription agent. All exercises of rights are
final and cannot be revoked by the holder of rights. </FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Regulatory
Limitations</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We will not be required to
issue any person or group of persons shares of our common stock or preferred
stock pursuant to the rights offering if, in our sole opinion, such person would
be required to give prior notice to or obtain prior approval from, any state or
federal governmental authority to own or control such shares if, at the time the
rights offering is scheduled to expire, such person has not obtained such
clearance or approval in form and substance reasonably satisfactory to us.
</FONT></P>
<P align=left><B><FONT face="Times New Roman" size=2>Standby
Agreements</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We may enter into one or more
separate agreements with one or more standby underwriters or other persons to
purchase, for their own account or on our behalf, any shares of our common stock
or preferred stock not subscribed for in the rights offering. The terms of any
such agreements will be described in the applicable prospectus supplement.
</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=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><A NAME="AntiTakeoverEffectsofCertainArticlesofIncorporationProvisions"></A><B><FONT face="Times New Roman" size=2>ANTI-TAKEOVER EFFECTS OF
CERTAIN ARTICLES OF INCORPORATION PROVISIONS </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our amended and restated
articles of incorporation contain certain provisions that make it more difficult
to acquire control of us by means of a tender offer, open market purchase, a
proxy fight or otherwise. These provisions are designed to encourage persons
seeking to acquire control of us to negotiate with our directors. We believe
that, as a general rule, the interests of our shareholders would be best served
if any change in control results from negotiations with our
directors.</FONT><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Our amended and restated
articles of incorporation provide for a staggered board, to which approximately
one-third of our board of directors is elected each year at our annual meeting
of shareholders. Accordingly, our directors serve three-year terms rather than
one-year terms. The provisions of our amended and restated articles of
incorporation regarding the staggered board of directors have the effect of
making it more difficult for shareholders to change the composition of our board
of directors. At least two annual meetings of shareholders, instead of one, will
generally be required to effect a change in a majority of our board of
directors. Such a delay may help ensure that our directors, if confronted by a
holder attempting to force a proxy contest, a tender or exchange offer, or an
extraordinary corporate transaction, would have sufficient time to review the
proposal as well as any available alternatives to the proposal and to act in
what they believe to be the best interests of our shareholders. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The provisions of our amended
and restated articles of incorporation regarding the staggered board of
directors could also have the effect of discouraging a third party from
initiating a proxy contest, making a tender offer or otherwise attempting to
obtain control of us, even though such an attempt might be beneficial to us and
our shareholders. The staggered board of directors could thus increase the
likelihood that incumbent directors will retain their positions. In addition,
because the staggered board of directors may discourage accumulations of large
blocks of our stock by purchasers whose objective is to take control of us and
remove a majority of our board of directors, the staggered board of directors
could tend to reduce the likelihood of fluctuations in the market price of our
common stock that might result from accumulations of large blocks of our common
stock for such a purpose. Accordingly, our shareholders could be deprived of
certain opportunities to sell their shares at a higher market price than might
otherwise be the case. </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The authorization of the
preferred stock could have the effect of making it more difficult or time
consuming for a third party to acquire a majority of our outstanding voting
stock or otherwise effect a change of control. Shares of the preferred stock may
also be sold to third parties that indicate that they would support the board of
directors in opposing a hostile takeover bid. The availability of the preferred
stock could have the effect of delaying a change of control and of increasing
the consideration ultimately paid to our shareholders. The board of directors
may authorize the issuance of preferred stock for capital-raising activities,
acquisitions, joint ventures or other corporate purposes that have the effect of
making an acquisition of the Company more difficult or costly, as could also be
the case if the board of directors were to issue additional common stock for
such purposes.</FONT><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The South Carolina business
combinations statute provides that a 10% or greater shareholder of a resident
domestic corporation cannot engage in a &#147;business combination&#148; (as defined in
the statute) with such corporation for a period of two years following the date
on which the 10% shareholder became such, unless the business combination or the
acquisition of shares is approved by a majority of the disinterested members of
such corporation&#146;s board of directors before the 10% shareholder&#146;s share
acquisition date. This statute further provides that at no time (even after the
two-year period subsequent to such share acquisition date) may the 10%
shareholder engage in a business combination with the relevant corporation
unless certain approvals of the board of directors or disinterested shareholders
are obtained or unless the consideration given in the combination meets certain
minimum standards set forth in the statute. The law is very broad in its scope
and is designed to inhibit unfriendly acquisitions but it does not apply to
corporations whose articles of incorporation contain a provision electing not to
be covered by the law. Our amended and restated articles of incorporation do not
contain such a provision, though our amended and restated articles of
incorporation could be amended to include such a provision.</FONT><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>None of our shares, whether
common or preferred, have any preemptive rights, redemption privileges, sinking
fund privileges or conversion rights. </FONT></P>
<P align=center><B><A NAME="ValidityofSecurities"></A><FONT face="Times New Roman" size=2>VALIDITY OF
SECURITIES</FONT></B><FONT face="Times New Roman" size=2> </FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>Unless otherwise indicated in
the applicable prospectus supplement, certain legal matters with respect to the
securities will be passed upon for us by Nelson Mullins Riley &amp; Scarborough
LLP, counsel to the Company. Any underwriters will be represented by their own
legal counsel. </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>27 </FONT></P>
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<DIV style="PAGE-BREAK-BEFORE: always"></DIV><BR>
<P align=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><FONT face="Times New Roman" size=2><STRONG><A NAME="Experts2"></A>EXPERTS</STRONG><FONT face="Times New Roman" size=2>
</FONT></FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>The consolidated financial
statements incorporated in this prospectus, by reference from our Annual Report
on Form 10-K for the year ended December 31, 2016, have been audited by Elliott
Davis Decosimo, LLC, an independent registered public accounting firm, as stated
in their report. Such report is incorporated herein by reference in reliance
upon such report given on the authority of such firm as experts in accounting
and auditing.</FONT></P>
<P align=center><B><A NAME="WhereYouCanFindMoreInformation2"></A><FONT face="Times New Roman" size=2>WHERE YOU CAN FIND MORE
INFORMATION </FONT></B></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>We are subject to the
informational requirements of the Exchange Act, and file with the SEC proxy
statements, Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q and
Current Reports on Form 8-K. You may read and copy any document we file at the
SEC&#146;s public reference room at 100 F Street, NE, Room 1580, Washington, D.C.
20549. Please call the SEC at 1-800-SEC-0330 for further information on the
public reference rooms. Our SEC filings are also available to the public from
the SEC&#146;s web site at www.sec.gov or on our website at www.southernfirst.com
under the &#147;Investor Relations&#148; tab. Information on, or that can be accessible
through, our website does not constitute a part of, and is not incorporated by
reference in, this prospectus.</FONT></P>
<P ALIGN="LEFT" STYLE="text-indent: 15pt"><FONT face="Times New Roman" size=2>This prospectus, which is a
part of a registration statement on Form S-3 that we have filed with the SEC
under the Securities Act, omits certain information set forth in the
registration statement. Accordingly, for further information, you should refer
to the registration statement and its exhibits on file with the SEC.
Furthermore, statements contained in this prospectus concerning any document
filed as an exhibit are not necessarily complete and, in each instance, we refer
you to the copy of such document filed as an exhibit to the registration
statement.</FONT><FONT face="Times New Roman" size=2> </FONT></P>
<P align=center><FONT face="Times New Roman" size=2>* * * </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=left><FONT face="TIMES NEW ROMAN" size=2><A href="#toc"><B>Table of Contents</B></A></FONT></P>
<P align=center><FONT face="Times New Roman">700,000 Shares<BR>Common Stock</FONT></P>
<P align=center>&nbsp;</P>
<P align=center>&nbsp;</P>
<P align=center><IMG src="southern3243761_424b56x11x1.jpg" border=0> </P>
<P align=center><B><FONT face="Times New Roman">_____________________<BR><BR>PROSPECTUS SUPPLEMENT<BR>(To
the Prospectus dated April 11, 2017)<BR>_____________________</FONT></B></P>
<P align=center><STRONG></STRONG>&nbsp;</P>
<P align=center><STRONG></STRONG>&nbsp;</P>
<P align=center><IMG src="southern3243761_424b56x11x2.jpg" border=0></P> <BR>
<P align=center>&nbsp;</P>
<P align=center>&nbsp;</P>
<P align=center>&nbsp;</P>
<P align=center><FONT face="Times New Roman" size=2>April&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; ,
201</FONT><FONT face="Times New Roman" size=2>7</FONT></P>
<P align=center><FONT size=2 face="Times New Roman"></FONT>&nbsp;</P>
<P align=center><FONT size=2 face="Times New Roman"></FONT>&nbsp;</P>
<P align=center>&nbsp;</P>
<HR align=center width="100%" noShade SIZE=2>


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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
