<SEC-DOCUMENT>0001206774-20-001339.txt : 20200428
<SEC-HEADER>0001206774-20-001339.hdr.sgml : 20200428
<ACCEPTANCE-DATETIME>20200428090023
ACCESSION NUMBER:		0001206774-20-001339
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		4
CONFORMED PERIOD OF REPORT:	20200428
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200428
DATE AS OF CHANGE:		20200428

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:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-27719
		FILM NUMBER:		20822528

	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>8-K
<SEQUENCE>1
<FILENAME>sfb35772723-8k.htm
<DESCRIPTION>CURRENT REPORT
<TEXT>

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

<BODY bgcolor="#ffffff">



<P align=center><B><FONT size=4 face=Arial>UNITED STATES<BR>SECURITIES AND EXCHANGE COMMISSION<BR></FONT></B><B><FONT size=2 face=Arial>WASHINGTON, DC 20549</FONT></B></P>

<P style="TEXT-ALIGN: center"><B><FONT size=4 face=Arial>FORM 8-K</FONT></B></P>

<P style="TEXT-ALIGN: center"><B><FONT size=3 face=Arial>CURRENT REPORT PURSUANT<BR>TO SECTION 13 OR 15(D) OF THE<BR>SECURITIES EXCHANGE ACT OF 1934</FONT></B></P>

<DIV align=center>

<TABLE style="WIDTH: 10%; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 border=0>



<TR vAlign=bottom>

   <TD width="72%" noWrap align=left><FONT size=2 face=Arial>Date of report (Date of earliest event reported</FONT><FONT size=2 face=Arial>)&nbsp;</FONT></TD>

   <TD style="WIDTH: 27%; VERTICAL-ALIGN: middle; BORDER-BOTTOM: black 1pt solid; TEXT-ALIGN: center" noWrap><FONT size=2 face=Arial>April 28, 2020</FONT></TD></TR></TABLE></DIV><BR>

<DIV align=center>
<IMG border=0 src="sfb35772723-8kx1x1.jpg"></DIV><BR><BR>

<DIV align=center>

<TABLE style="WIDTH: 90%; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 border=0>



<TR vAlign=bottom>

   <TD style="WIDTH: 100%; BORDER-BOTTOM: black 1.5pt solid; PADDING-BOTTOM: 4pt; TEXT-ALIGN: center"><B><FONT size=5 face=Arial>Southern First Bancshares, Inc.</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=center><FONT size=2 face=Arial>(Exact name of registrant as specified in its charter)</FONT></TD></TR></TABLE><BR></DIV>

<DIV align=center>

<TABLE style="WIDTH: 10%; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 border=0>



<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="100%" align=center><B><FONT size=2 face=Arial>South Carolina</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="100%" noWrap align=center><FONT size=2 face=Arial>(State or other jurisdiction of incorporation)</FONT></TD></TR></TABLE></DIV><BR>

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



<TR vAlign=bottom>

   <TD style="WIDTH: 20%; TEXT-ALIGN: center" noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD style="WIDTH: 10%; BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap><B><FONT size=2 face=Arial>000-27719</FONT></B></TD>

   <TD style="WIDTH: 20%; TEXT-ALIGN: center" noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD style="WIDTH: 20%; TEXT-ALIGN: center" noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD style="WIDTH: 10%; BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap><B><FONT size=2 face=Arial>58-2459561</FONT></B></TD>

   <TD style="WIDTH: 20%; TEXT-ALIGN: center" noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD></TR>

<TR style="VERTICAL-ALIGN: bottom">

   <TD style="TEXT-ALIGN: center" noWrap>&nbsp;</TD>

   <TD style="TEXT-ALIGN: center" noWrap><FONT size=2 face=Arial>(Commission File Number)</FONT></TD>

   <TD style="TEXT-ALIGN: center" noWrap>&nbsp;</TD>

   <TD style="TEXT-ALIGN: center" noWrap>&nbsp;</TD>

   <TD style="TEXT-ALIGN: center" noWrap><FONT size=2 face=Arial>(IRS Employer Identification No.)</FONT></TD>

   <TD style="TEXT-ALIGN: center" noWrap>&nbsp;</TD></TR>

<TR>

   <TD colSpan=6>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD style="TEXT-ALIGN: center" noWrap><B><U><FONT size=2 face=Arial></FONT></U></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap><B><FONT size=2 face=Arial>100 Verdae Boulevard, Suite 100, Greenville, SC</FONT></B></TD>

   <TD style="TEXT-ALIGN: center" noWrap>&nbsp;</TD>

   <TD style="TEXT-ALIGN: center" noWrap><B><U><FONT size=2 face=Arial></FONT></U></B></TD>

   <TD style="BORDER-BOTTOM: #000000 1pt solid; TEXT-ALIGN: center" noWrap><B><FONT size=2 face=Arial>29607</FONT></B></TD>

   <TD style="TEXT-ALIGN: center" noWrap>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD style="TEXT-ALIGN: center" colSpan=3 noWrap><FONT size=2 face=Arial>(Address of principal executive offices)</FONT></TD>

   <TD style="TEXT-ALIGN: center" colSpan=3 noWrap><FONT size=2 face=Arial>(Zip Code)</FONT></TD></TR></TABLE><BR>

<DIV align=center>

<TABLE style="WIDTH: 10%; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 border=0>



<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="99%" noWrap align=center><B><FONT size=2 face=Arial>(864) 679-9000</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="99%" noWrap align=center><FONT size=2 face=Arial>(Registrant's telephone number, including area code)</FONT></TD></TR>

<TR>

   <TD>&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD style="BORDER-BOTTOM: #000000 1pt solid" width="99%" noWrap align=center><B><FONT size=2 face=Arial>Not Applicable</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="99%" noWrap align=center><FONT size=2 face=Arial>(Former name or former address, if changed since last report)</FONT></TD></TR></TABLE></DIV>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):</FONT></P>

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



<TR vAlign=bottom>

   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: middle"><FONT size=2 face=Arial>&#9744;</FONT></TD>

   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: middle"><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD WIDTH="98%" NOWRAP STYLE="vertical-align: middle; text-align: left"><FONT size=2 face=Arial>Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</FONT></TD></TR>

<TR style="VERTICAL-ALIGN: bottom">

   <TD NOWRAP STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>

   <TD NOWRAP STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>

   <TD NOWRAP STYLE="vertical-align: middle; text-align: left">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: middle"><FONT size=2 face=Arial>&#9744;</FONT></TD>

   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: middle"><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="98%" NOWRAP STYLE="vertical-align: middle; text-align: left"><FONT size=2 face=Arial>Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</FONT></TD></TR>

<TR style="VERTICAL-ALIGN: bottom">

   <TD NOWRAP STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>

   <TD NOWRAP STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>

   <TD NOWRAP STYLE="vertical-align: middle; text-align: left">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: middle"><FONT size=2 face=Arial>&#9744;</FONT></TD>

   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: middle"><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="98%" NOWRAP STYLE="vertical-align: middle; text-align: left"><FONT size=2 face=Arial>Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17CFR 240.14d-2(b))</FONT></TD></TR>

<TR style="VERTICAL-ALIGN: bottom">

   <TD NOWRAP STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>

   <TD NOWRAP STYLE="vertical-align: middle; text-align: left">&nbsp;</TD>

   <TD NOWRAP STYLE="vertical-align: middle; text-align: left">&nbsp;</TD></TR>

<TR vAlign=bottom>

   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: middle"><FONT size=2 face=Arial>&#9744;</FONT></TD>

   <TD WIDTH="1%" NOWRAP STYLE="text-align: left; vertical-align: middle"><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="98%" NOWRAP STYLE="vertical-align: middle; text-align: left"><FONT size=2 face=Arial>Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</FONT></TD></TR></TABLE>

<P align=left><FONT size=2 face=Arial>Securities registered pursuant to Section 12(b) of the Act:</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: Black 1pt solid; width: 33%; vertical-align: top; white-space: nowrap; text-align: center; padding-left: 4pt; padding-right: 4pt"><FONT size=2 face=Arial><B>Title of each class</B></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 33%; vertical-align: top; white-space: nowrap; text-align: center; padding-left: 4pt; padding-right: 4pt"><FONT size=2 face=Arial><B>Trading Symbol(s)</B></FONT></TD>

   <TD STYLE="border-bottom: Black 1pt solid; width: 33%; vertical-align: top; white-space: nowrap; text-align: center; padding-left: 4pt; padding-right: 4pt"><FONT size=2 face=Arial><B>Name of each exchange on which registered</B></FONT></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 33%; vertical-align: top; text-align: center; padding-left: 4pt; padding-right: 4pt"><FONT size=2 face=Arial>Common Stock</FONT></TD>

   <TD STYLE="width: 33%; vertical-align: top; text-align: center; padding-left: 4pt; padding-right: 4pt"><FONT size=2 face=Arial>SFST</FONT></TD>

   <TD STYLE="text-align: center; width: 33%; vertical-align: top; text-align: center; padding-left: 4pt; padding-right: 4pt"><FONT size=2 face=Arial>The Nasdaq Global Market</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</FONT></P>

<P style="TEXT-ALIGN: right; PADDING-RIGHT: 15pt"><FONT size=2 face=Arial>Emerging growth company &#9744;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. </FONT><FONT size=2 face=Arial>&#9744;</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



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




<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>ITEM 2.02. Results of Operations and Financial Condition</FONT></B></P>

<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>On April 28, 2020, Southern First Bancshares, Inc., holding company for Southern First Bank, issued a press release announcing its financial results for the period ended March 31, 2020. A copy of the press release is attached hereto as Exhibit 99.1.</FONT></P>

<P style="TEXT-ALIGN: left"><B><FONT size=2 face=Arial>ITEM 9.01. Financial Statements and Exhibits</FONT></B></P>

<P STYLE="text-indent: 15pt; text-align: left"><FONT size=2 face=Arial>(d) Exhibits</FONT></P>



<DIV style="padding-left:15pt">

<TABLE style="WIDTH: 100%" cellSpacing=0 cellPadding=0 border=0>



<TR>

   <TD width="1%" noWrap>



   <P style="TEXT-ALIGN: left"><U><FONT size=2 face=Arial>Exhibit No.</FONT></U></P></TD>

   <TD width="1%"></TD>

   <TD width="98%">



   <P style="TEXT-ALIGN: left"><U><FONT size=2 face=Arial>Exhibit</FONT></U></P></TD></TR>

<TR>

   <TD STYLE="width: 1%; background-color: Silver"><FONT size=2 face=Arial>99.1</FONT></TD>

   <TD STYLE="width: 1%; background-color: Silver">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 98%; background-color: Silver"><FONT size=2 face=Arial>Earnings Press Release for period ended March 31, 2020.</FONT></TD></TR></TABLE></DIV>
<BR>
<HR align=center SIZE=2 width="100%" noShade>



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



<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>SIGNATURES</FONT></B></P>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.</FONT></P>

<DIV align=right>

<TABLE style="WIDTH: 50%; LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 border=0>



<TR vAlign=bottom>

   <TD width="100%" colSpan=2 noWrap align=left><B><FONT size=2 face=Arial>SOUTHERN FIRST BANCSHARES, INC.</FONT></B></TD></TR>

<TR>

   <TD width="100%" colSpan=2>&nbsp;</TD></TR>

<TR>

   <TD width="100%" colSpan=2>&nbsp;</TD></TR>

<TR style="VERTICAL-ALIGN: bottom">

   <TD style="WHITE-SPACE: nowrap; TEXT-ALIGN: left"><FONT size=2 face=Arial>By:</FONT></TD>

   <TD style="WHITE-SPACE: nowrap; TEXT-ALIGN: left"><FONT style="BORDER-BOTTOM: black 1pt solid" size=2 face=Arial>/s/ Michael D. Dowling</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>Name:&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="99%" noWrap align=left><FONT size=2 face=Arial>Michael D. Dowling</FONT></TD></TR>

<TR vAlign=bottom>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>Title:</FONT></TD>

   <TD width="99%" noWrap align=left><FONT size=2 face=Arial>Chief Financial Officer&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD></TR></TABLE></DIV>


<P style="TEXT-ALIGN: left"><FONT size=2 face=Arial>April 28, 2020</FONT></P>

<HR align=center SIZE=2 width="100%" noShade>



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



<P style="TEXT-ALIGN: center"><B><FONT size=2 face=Arial>EXHIBIT INDEX</FONT></B></P>

<DIV>

<TABLE style="WIDTH: 100%" cellSpacing=0 cellPadding=0 border=0>



<TR>

   <TD width="1%" noWrap><U><FONT size=2 face=Arial>Exhibit Number</FONT></U></TD>

   <TD width="1%"></TD>

   <TD width="98%"><U><FONT size=2 face=Arial>Description</FONT></U></TD></TR>

<TR>

   <TD STYLE="width: 1%; background-color: Silver"><A HREF="sfb35772723-ex991.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>99.1</FONT></A></TD>

   <TD STYLE="width: 1%; background-color: Silver">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD STYLE="width: 98%; background-color: Silver"><A HREF="sfb35772723-ex991.htm" STYLE="-sec-extract: exhibit"><FONT size=2 face=Arial>Earnings Press Release for the period ended March 31, 2020.</FONT></A></TD></TR></TABLE></DIV>

<BR>
<HR align=center SIZE=2 width="100%" noShade>



</BODY>

</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>sfb35772723-ex991.htm
<DESCRIPTION>EARNINGS PRESS RELEASE FOR PERIOD ENDED MARCH 31, 2020
<TEXT>

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

<BODY bgcolor="#ffffff">

<P style="TEXT-ALIGN: right"><FONT size=2 face=Arial>Exhibit 99.1</FONT></P>

<IMG border=0 src="sfb35772723-ex991x1x1.jpg">
<P style="TEXT-ALIGN: center"><B><FONT size=4 face=Arial>Southern First Reports Results for First Quarter 2020</FONT></B></P>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>Greenville, South Carolina, April 28, 2020 </FONT></B><FONT size=2 face=Arial>&#8211; Southern First Bancshares, Inc. </FONT><B><FONT size=2 face=Arial>(NASDAQ: SFST)</FONT></B><FONT size=2 face=Arial>, holding company for Southern First Bank, today announced its financial results for the three-month period ended March 31, 2020.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>&#8220;As we find ourselves in the middle of this COVID-19 pandemic, the focus of our company has shifted to caring for our clients and team and focusing on the changing risk elements of our economy,&#8221; stated Art Seaver, the company&#8217;s Chief Executive Officer. &#8220;While our core earnings were solid, we felt it was prudent to increase our loan loss provision based on the rising unemployment and economic uncertainty in our markets related to COVID-19.&#8221;</FONT></P>
<P style="MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><B><U><FONT size=2 face=Arial>2020 First Quarter Highlights</FONT></U></B></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR>
   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Net income of $2.8 million, compared to $6.0 million for Q1 2019</FONT></B></TD></TR>
<TR>
   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Diluted earnings per common share of $0.36 per share, compared to $0.78 for Q1 2019</FONT></B></TD></TR>
<TR>
   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Loan loss provision of $6.0 million, compared to $300 thousand for Q1 2019</FONT></B></TD></TR></TABLE>
<P style="MARGIN-BOTTOM: 0pt; TEXT-ALIGN: justify"><B><U><FONT size=2 face=Arial>COVID-19 Update</FONT></U></B></P>
<TABLE style="FONT-SIZE: 10pt; FONT-FAMILY: Times New Roman; TEXT-ALIGN: justify" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR>
   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Payment modifications related to COVID-19 on 428 loans for $380.2 million through Q1 2020</FONT></B></TD></TR>
<TR>
   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Identification of nine specific targeted industries in order to monitor credit exposure</FONT></B></TD></TR>
<TR>
   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Active lender in the SBA Paycheck Protection Program (&#8220;PPP&#8221;)</FONT></B></TD></TR>
<TR>
   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Offices operating in a drive-thru only mode, as applicable</FONT></B></TD></TR>
<TR>
   <TD style="PADDING-RIGHT: 8pt" vAlign=top width="1%"><FONT style="FONT-SIZE: 9.5pt">&#9679;</FONT></TD>
   <TD vAlign=top width="99%"><B><FONT size=2 face=Arial>Approximately 70% of team members working remotely</FONT></B></TD></TR></TABLE>
<BR>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD STYLE="border-top: Black 1.5pt solid; width: 84%; text-align: left; text-align: center"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-top: Black 1.5pt solid; text-align: center"></TD>

   <TD COLSPAN="15" STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: right; border-top: Black 1.5pt solid; text-align: center"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD>
   </TR>
<TR vAlign=bottom>
   <TD STYLE="width: 84%; text-align: left; text-align: center"></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: center"></TD>
   <TD WIDTH="3%" COLSPAN="3" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial>March 31</FONT></B></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: center"></TD>
   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial>December 31</FONT></B></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: center"></TD>
   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial>September 30</FONT></B></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: center"></TD>
   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="LEFT" STYLE="text-align: center"><B><FONT size=1 face=Arial>June 30</FONT></B></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: center"></TD>
   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial>March 31</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="border-bottom: Black 1pt solid; width: 84%; text-align: center"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid; text-align: center"></TD>
   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; text-align: center"><B><FONT size=1 face=Arial>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid; text-align: center"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; text-align: center"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid; text-align: center"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; text-align: center"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid; text-align: center"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; text-align: center"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid; text-align: center"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; text-align: center"><B><FONT size=1 face=Arial>2019</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; text-align: left"><B><FONT size=1 face=Arial>Earnings </FONT></B><FONT size=1 face=Arial>($ in thousands, except per share data)</FONT><B><FONT size=1 face=Arial>:</FONT></B></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; text-align: left"><FONT size=1 face=Arial>Net income available to common shareholders</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,832</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,198</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,412</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,239</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>6,009</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; text-align: left"><FONT size=1 face=Arial>Earnings per common share, diluted</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.36</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.92</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.95</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.93</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.78</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; text-align: left"><FONT size=1 face=Arial>Total revenue<SUP>(1)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>22,014</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>21,136</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>21,675</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>20,629</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>18,812</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; text-align: left"><FONT size=1 face=Arial>Net interest margin (tax-equivalent)<SUP>(2)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.43</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.41</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.36</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.43</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.52</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; text-align: left"><FONT size=1 face=Arial>Return on average assets<SUP>(3)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.51</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.32</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.37</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.43</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.28</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; text-align: left"><FONT size=1 face=Arial>Return on average equity<SUP>(3)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>5.42</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>14.18</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>15.20</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>15.72</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13.74</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; text-align: left"><FONT size=1 face=Arial>Efficiency ratio<SUP>(4)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>56.20</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>51.92</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>52.98</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>55.11</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>56.60</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: Black 1pt solid; width: 84%; text-align: left"><FONT size=1 face=Arial>Noninterest expense to average assets <SUP>(3)</SUP></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>2.23</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>2.01</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>2.12</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>2.24</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>2.26</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; text-align: left"><B><FONT size=1 face=Arial>Balance Sheet </FONT></B><FONT size=1 face=Arial>($ in thousands)</FONT><B><FONT size=1 face=Arial>:</FONT></B></TD>
   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; text-align: left"><FONT size=1 face=Arial>Total Loans<SUP>(5)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,030,261</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,943,525</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,838,427</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,809,355</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,733,964</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; text-align: left"><FONT size=1 face=Arial>Total deposits</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,025,698</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,876,124</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,899,295</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,854,008</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,758,235</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; text-align: left"><FONT size=1 face=Arial>Core deposits<SUP>(6)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,804,027</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,656,005</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,690,294</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,619,722</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,527,755</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; text-align: left"><FONT size=1 face=Arial>Total assets</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,372,249</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,267,195</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,201,626</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,116,044</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,014,426</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: Black 1pt solid; width: 84%; text-align: left"><FONT size=1 face=Arial>Loans to deposits</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>100.23</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>103.59</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>96.80</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>97.59</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>98.62</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; text-align: left"><B><FONT size=1 face=Arial>Holding Company Capital Ratios</FONT></B><B><FONT size=1 face=Arial><SUP>(7)</SUP></FONT></B><B><FONT size=1 face=Arial>:</FONT></B></TD>
   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; text-align: left"><FONT size=1 face=Arial>Total risk-based capital ratio</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13.59</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13.73</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13.63</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>12.31</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>12.43</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; text-align: left"><FONT size=1 face=Arial>Tier 1 risk-based capital ratio</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.29</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.63</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.51</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.40</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>11.48</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; text-align: left"><FONT size=1 face=Arial>Leverage ratio</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.00</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.10</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9.82</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9.95</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.17</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; text-align: left"><FONT size=1 face=Arial>Common equity tier 1 ratio<SUP>(8)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.63</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.94</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.80</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.67</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>10.72</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: Black 1pt solid; width: 84%; text-align: left"><FONT size=1 face=Arial>Tangible common equity<SUP>(9)</SUP></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>8.87</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>9.08</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>9.02</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>8.97</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>8.99</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; text-align: left"><B><FONT size=1 face=Arial>Asset Quality Ratios:</FONT></B></TD>
   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; text-align: left"><FONT size=1 face=Arial>Nonperforming assets as a percentage of total assets</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.42</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.30</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.32</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.27</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.30</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; text-align: left"><FONT size=1 face=Arial>Net charge-offs as a percentage of average loans<SUP>(5) </SUP>(YTD annualized)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.04</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.08</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.09</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.03</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.00</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; text-align: left"><FONT size=1 face=Arial>Allowance for loan losses as a percentage of loans<SUP>(5)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.11</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.86</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.86</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.89</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.93</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 84%; text-align: left"><FONT size=1 face=Arial>Allowance for loan losses as a percentage of nonaccrual loans</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>226.14</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;244.95</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;225.50</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>277.91</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>265.35</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>%</FONT></TD></TR></TABLE>
<div style="TEXT-ALIGN: center"><FONT size=1 face=Arial>[Footnotes to table located on page 7]</FONT></div>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>1</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

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

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

<TR vAlign=bottom>
   <TD COLSPAN="13" STYLE="width: 100%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><B><FONT size=2 face=Arial>INCOME STATEMENTS - Unaudited</FONT></B></TD></TR>
<TR>
   <TD width="100%" colSpan=13>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD width="88%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD COLSPAN="11" STYLE="width: 11%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B> <B><FONT size=1 face=Arial></FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 88%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Mar 31</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Dec 31</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Sept 30</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>June 30</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>Mar 31</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 88%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(in thousands, except per share data)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="88%" noWrap align=left><B><FONT size=1 face=Arial>Interest income</FONT></B></TD>
   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>Loans</FONT></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>23,367</FONT></TD>
   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>23,124</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>22,817</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>22,098</FONT></TD>
   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>20,889</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>Investment securities</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>396</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>438</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>576</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>539</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>549</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 88%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Federal funds sold</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>103</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>334</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>663</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>451</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>174</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; width: 88%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Total interest income</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>23,866</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>23,896</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>24,056</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>23,088</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>21,612</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="88%" noWrap align=left><B><FONT size=1 face=Arial>Interest expense</FONT></B></TD>
   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>Deposits</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>5,174</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>5,771</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>6,409</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>6,175</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>5,375</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 88%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Borrowings</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>594</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>492</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>368</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>374</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>419</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; width: 88%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Total interest expense</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>5,768</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>6,263</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>6,777</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>6,549</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>5,794</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>Net interest income</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>18,098</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>17,633</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>17,279</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>16,539</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>15,818</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 88%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Provision for loan losses</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>6,000</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,050</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>650</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>300</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>300</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 88%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Net interest income after provision for loan losses</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>12,098</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>16,583</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>16,629</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>16,239</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>15,518</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="88%" noWrap align=left><B><FONT size=1 face=Arial>Noninterest income</FONT></B></TD>
   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>Mortgage banking income</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,668</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,181</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3,055</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,830</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,857</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>Service fees on deposit accounts</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>262</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>260</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>271</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>265</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>265</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>ATM and debit card income</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>398</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>441</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>464</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>443</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>380</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>Income from bank owned life insurance</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>270</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>281</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>282</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>222</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>216</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>Gain on sale of securities, net</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>719</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>Loss on extinguishment of debt</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(1,496</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 88%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Other income</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>318</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,117</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>322</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>327</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>273</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; width: 88%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Total noninterest income</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>3,916</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>3,503</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>4,396</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>4,090</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>2,994</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="88%" noWrap align=left><B><FONT size=1 face=Arial>Noninterest expense</FONT></B></TD>
   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>Compensation and benefits</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,871</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,175</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,668</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,399</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>6,783</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>Occupancy</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,536</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,429</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,416</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,343</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,339</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>Outside service and data processing costs</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,192</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,109</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,073</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,045</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>960</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>Insurance</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>320</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>70</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>145</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>280</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>318</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>Professional fees</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>497</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>447</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>399</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>414</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>439</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>Marketing</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>258</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>208</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>237</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>236</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>260</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 88%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Other</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>698</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>535</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>546</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>651</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>549</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 15pt; width: 88%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Total noninterest expenses</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>12,372</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>10,973</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>11,484</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>11,368</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>10,648</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>Income before provision for income taxes</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3,642</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9,113</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9,541</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>8,961</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,864</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 88%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Income tax expense</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>810</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,915</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>2,129</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,722</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,855</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 88%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><B><FONT size=1 face=Arial>Net income available to common shareholders</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>2,832</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>7,198</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>7,412</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>7,239</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>6,009</FONT></TD></TR>
<TR>
   <TD width="100%" colSpan=13>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>Earnings per common share &#8211; Basic</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.37</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.94</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.98</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.97</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.81</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>Earnings per common share &#8211; Diluted</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.36</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.92</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.95</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.93</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.78</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="88%" noWrap align=left><FONT size=1 face=Arial>Basic weighted average common shares</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,679</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,608</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,548</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,496</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,459</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 88%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>Diluted weighted average common shares</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>7,827</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>7,811</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>7,781</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>7,756</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>7,742</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: center; margin-top:0pt"><FONT size=1 face=Arial>[Footnotes to table located on page 7]</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Net income for the first quarter of 2020 was $2.8 million, a 52.9% decrease over the first quarter of 2019, while net interest income increased 14.4% for the first quarter of 2020 compared to the first quarter of 2019. The increase in net interest income was driven by growth in interest-earning assets, combined with a reduction in interest expense on interest-bearing deposits. In addition, the provision for loan losses increased to $6.0 million for the three months ended March 31, 2020, compared to $300 thousand for the three months ended March 31, 2019. The increased provision during the first quarter of 2020 is driven by the COVID-19 pandemic and qualitative adjustment factors related to the uncertain economic conditions, as well as an increase in past due and non-accrual loans at March 31, 2020.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest income increased $922 thousand, or 30.8%, during the three months ended March 31, 2020 compared to the three months ended March 31, 2019, driven primarily by higher mortgage banking income as a result of the favorable mortgage rate environment.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>2</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

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


<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Noninterest expense increased $1.7 million, or 16.2%, for the first quarter of 2020 compared to the first quarter of 2019. The increase in noninterest expense during the three-month period ended March 31, 2020 was related primarily to increases in compensation and benefits, occupancy, and data processing and related costs as we continue to expand our footprint in South Carolina, North Carolina, and Georgia. Included in noninterest expense are mortgage banking expenses of $1.8 million and $1.1 million for the three months ended March 31, 2020 and 2019, respectively.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Our effective tax rate was 22.2% and 23.6% for the three-month periods ended March 31, 2020 and 2019, respectively.</FONT></P>
<TABLE style="LINE-HEIGHT: 14pt; BORDER-COLLAPSE: COLLAPSE" cellSpacing=0 cellPadding=0 width="100%" border=0>

<TR vAlign=bottom>
   <TD COLSPAN="28" STYLE="width: 100%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><B><FONT size=2 face=Arial>NET INTEREST INCOME AND MARGIN - Unaudited</FONT></B></TD></TR>
<TR>
   <TD width="100%" colSpan=28>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 73%; text-align: left; vertical-align: bottom"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD COLSPAN="25" STYLE="width: 25%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>For the Three Months Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 73%; text-align: left; vertical-align: bottom"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD COLSPAN="8" STYLE="width: 8%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>March 31, 2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD COLSPAN="7" STYLE="width: 7%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>December 31, 2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="8" STYLE="width: 8%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>March 31, 2019</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 73%; text-align: left; vertical-align: bottom"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Average</FONT></B></TD>
   <TD width="1%" noWrap align=right>&nbsp;</TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Income/</FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Yield/</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Average</FONT></B></TD>
   <TD width="1%" noWrap align=right>&nbsp;</TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Income/</FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Yield/</FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Average</FONT></B></TD>
   <TD width="1%" noWrap align=right>&nbsp;</TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Income/</FONT></B></TD>
   <TD width="1%" noWrap align=right><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="2%" colSpan=2 noWrap align=right><B><FONT size=1 face=Arial>Yield/</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="vertical-align: bottom; width: 73%; border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Balance</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Expense</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Rate</FONT></B><B><FONT size=1 face=Arial><SUP>(3)</SUP></FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Balance</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Expense</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Rate<SUP>(3)</SUP></FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Balance</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Expense</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Rate<SUP>(3)</SUP></FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 73%; text-align: left; vertical-align: bottom"><B><FONT size=1 face=Arial>Interest-earning assets</FONT></B></TD>
   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="vertical-align: bottom; width: 73%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Federal funds sold and interest-bearing deposits</FONT></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial>$&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>46,101</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial>$&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>103</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.90</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial>$&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>72,563</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial>$&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>334</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.83</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial>$&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>30,656</FONT></TD>
   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial>$&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>174</FONT></TD>
   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.30</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="vertical-align: bottom; width: 73%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Investment securities, taxable</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>66,640</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>381</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.30</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>69,712</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>417</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.37</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>71,876</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>508</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.87</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="vertical-align: bottom; width: 73%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Investment securities, nontaxable<SUP>(2)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3,815</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>19</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.05</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3,249</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>27</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.33</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>5,427</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>53</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.98</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="vertical-align: bottom; padding-left: 15pt; width: 73%; border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>Loans<SUP>(10)</SUP></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>2,003,554</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>23,367</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.69</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,908,067</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>23,124</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.81</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,715,570</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>20,889</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.94</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="vertical-align: bottom; width: 73%; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total interest-earning assets</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,120,110</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>23,870</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.53</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,053,591</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>23,902</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.62</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,823,529</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>21,624</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.81</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="vertical-align: bottom; padding-left: 15pt; width: 73%; border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>Noninterest-earning assets</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>111,338</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>115,686</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>86,431</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="vertical-align: bottom; width: 73%; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=1 face=Arial>Total assets</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>2,231,448</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>2,169,277</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>1,909,960</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 73%; text-align: left; vertical-align: bottom"><B><FONT size=1 face=Arial>Interest-bearing liabilities</FONT></B></TD>
   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="vertical-align: bottom; width: 73%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>NOW accounts</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>227,688</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>168</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.30</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>221,248</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>169</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.30</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>186,070</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>86</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.19</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="vertical-align: bottom; width: 73%; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Savings &amp; money market</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>956,588</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3,369</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.42</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>927,734</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3,799</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.62</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>780,115</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3,300</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.72</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="vertical-align: bottom; padding-left: 15pt; width: 73%; border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>Time deposits</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>329,664</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,637</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.00</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>326,615</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,803</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.19</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>371,694</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,989</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.17</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="vertical-align: bottom; width: 73%; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total interest-bearing deposits</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,513,940</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>5,174</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.37</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,475,597</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>5,771</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.55</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,337,879</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>5,375</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.63</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 30pt; vertical-align: bottom; width: 73%; text-align: left; text-indent: -15pt"><FONT size=1 face=Arial>FHLB advances and other borrowings</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>43,470</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>158</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.46</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>6,420</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>46</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.78</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>31,302</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>256</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.32</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="vertical-align: bottom; text-indent: 15pt; width: 73%; border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>Subordinated debentures</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>35,900</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>436</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.88</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>35,896</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>446</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4.93</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>13,403</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>163</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>4.93</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="vertical-align: bottom; width: 73%; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total interest-bearing liabilities</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,593,310</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>5,768</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.46</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,517,913</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>6,263</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.64</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,382,584</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>5,794</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.70</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="vertical-align: bottom; width: 73%; text-align: left; text-indent: 15pt"><FONT size=1 face=Arial>Noninterest-bearing liabilities</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>427,992</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>450,025</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>349,988</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="vertical-align: bottom; text-indent: 15pt; width: 73%; border-bottom: Black 1pt solid; text-align: left"><FONT size=1 face=Arial>Shareholders&#8217; equity</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>210,146</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>201,339</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>177,388</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="vertical-align: bottom; padding-left: 30pt; width: 73%; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=1 face=Arial>Total liabilities and shareholders&#8217; equity</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>2,231,448</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,169,277</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,909,960</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 73%; text-align: left; vertical-align: bottom"><FONT size=1 face=Arial>Net interest spread</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.07</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2.98</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.11</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 73%; text-align: left; vertical-align: bottom"><FONT size=1 face=Arial>Net interest income (tax equivalent) / margin</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>18,102</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.43</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>17,639</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.41</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>15,830</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3.52</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 73%; text-align: left; vertical-align: bottom"><FONT size=1 face=Arial>Less: tax-equivalent adjustment<SUP>(2)</SUP></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>4</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>6</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>12</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="vertical-align: bottom; width: 73%; border-bottom: Black 1.5pt solid; text-align: left"><FONT size=1 face=Arial>Net interest income</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>18,098</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>17,633</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>15,818</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR></TABLE>

<P style="TEXT-ALIGN: center; margin-top:0pt"><FONT size=1 face=Arial>[Footnotes to table located on page 7]</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Net interest income was $18.1 million for the first quarter of 2020, a $465 thousand increase from the fourth quarter of 2019 and a $2.3 million increase from the first quarter of 2019. The increase in net interest income as compared to the fourth quarter of 2019 resulted primarily from growth in our loan portfolio and lower costing deposit balances, partially offset by a reduction in cash and investment securities. The increase in net interest income in the first quarter of 2020, compared to the same period in 2019, was primarily due to loan growth and a reduction in the cost of our interest-bearing deposits. Our net interest margin, on a tax-equivalent basis, was 3.43% for the first quarter of 2020, a two-basis point increase from 3.41% for the fourth quarter of 2019 and a nine-basis point decrease from 3.52% for the first quarter of 2019. Our average interest-earning assets increased by $66.5 million during the first quarter of 2020, compared to the fourth quarter of 2019, resulting in interest income of $23.9 million, with a yield of 4.53%, while our average interest-bearing liabilities increased by $75.4 million, resulting in interest expense of $5.8 million, at a cost of 1.46%. While our average loans grew by $95.5 million during the first quarter of 2020, compared to the fourth quarter of 2019, our average federal funds sold and interest-bearing deposits decreased by $26.5 million during the same period, and the yield on interest-earning assets declined by nine basis points. In addition, our average interest-bearing liabilities, which consist primarily of interest-bearing deposits, increased by $75.4 million, during the first quarter of 2020, compared to the fourth quarter of 2019, and our total cost of funds declined 18 basis points during the same period. With the recent Federal Reserve moves that lowered the federal funds rate by 150 basis points during March 2020, we expect to experience continued pressure on our net interest margin.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>3</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

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

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

<TR vAlign=bottom>
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><B><FONT size=2 face=Arial>BALANCE SHEETS - Unaudited</FONT></B></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><B><FONT size=2 face=Arial></FONT></B></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR>
<TR>
   <TD width="100%" colSpan=17>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD width="84%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"></TD>

   <TD COLSPAN="15" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; text-align: center"><B><FONT size=1 face=Arial>Ending Balance</FONT></B></TD>
  </TR>
<TR vAlign=bottom>
   <TD width="84%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"></TD>
   <TD WIDTH="3%" COLSPAN="3" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial>March 31</FONT></B></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: center"></TD>
   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial>December 31</FONT></B></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: center"></TD>
   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: center"><B><FONT size=1 face=Arial>September 30</FONT></B></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: center"></TD>
   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="LEFT" STYLE="text-align: center"><B><FONT size=1 face=Arial>June 30</FONT></B></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: center"></TD>
   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="CENTER" STYLE="text-align: center"><B><FONT size=1 face=Arial>March 31</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(in thousands, except per share data)</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD COLSPAN="3" STYLE="border-bottom: Black 1pt solid; width: 3%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2020</FONT></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"></TD>
   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"></TD>
   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"></TD>
   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: center"></TD>
   <TD COLSPAN="2" STYLE="border-bottom: Black 1pt solid; width: 2%; white-space: nowrap; text-align: center"><B><FONT size=1 face=Arial>2019</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="84%" noWrap align=left><B><FONT size=1 face=Arial>Assets</FONT></B></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Cash and cash equivalents:</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Cash and due from banks</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"><FONT size=1 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>17,521</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>19,196</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>44,349</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>12,220</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>16,853</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Federal funds sold</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>83,314</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>89,256</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>19,215</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>64,520</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>75,207</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: Black 1pt solid; width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Interest-bearing deposits with banks</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>40,277</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>19,364</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>70,959</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>40,044</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>25,246</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1pt solid; width: 84%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total cash and cash equivalents</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>141,112</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>127,816</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>134,523</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>116,784</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>117,306</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Investment securities:</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Investment securities available for sale</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>70,507</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>67,694</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>89,427</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>75,252</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>73,300</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: Black 1pt solid; width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Other investments</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>5,341</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>6,948</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>3,307</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>3,311</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>3,309</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1pt solid; width: 84%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total investment securities</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>75,848</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>74,642</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>92,734</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>78,563</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>76,609</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Mortgage loans held for sale</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>34,948</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>27,046</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>40,630</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>24,509</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9,393</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Loans <SUP>(5)</SUP></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,030,261</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,943,525</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,838,427</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,809,355</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,733,964</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Less allowance for loan losses</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(22,462</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(16,642</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(15,848</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(16,144</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(16,051</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1pt solid; width: 84%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Loans, net</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>2,007,799</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,926,883</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,822,579</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,793,211</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,717,913</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Bank owned life insurance</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>40,281</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>40,011</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>39,730</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>39,448</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>34,226</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Property and equipment, net</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>58,656</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>58,478</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>54,846</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>48,262</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>47,262</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Deferred income taxes</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4,087</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>4,275</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>8,970</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,049</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3,877</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1pt solid; width: 84%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>Other assets</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>9,518</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>8,044</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>7,614</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>8,218</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>7,840</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 84%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total assets</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,372,249</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,267,195</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,201,626</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,116,044</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,014,426</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="84%" noWrap align=left><B><FONT size=1 face=Arial>Liabilities</FONT></B></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Deposits</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,025,698</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,876,124</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,899,295</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,854,008</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,758,235</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Federal Home Loan Bank advances</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>65,000</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>110,000</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>25,000</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>25,000</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>25,000</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Subordinated debentures</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>35,917</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>35,890</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>35,887</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13,403</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>13,403</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Other liabilities</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>35,159</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>39,321</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>42,950</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>33,779</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>36,602</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 84%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total liabilities</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,161,774</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,061,335</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,003,132</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,926,190</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,833,240</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="84%" noWrap align=left><B><FONT size=1 face=Arial>Shareholders&#8217; equity</FONT></B></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Preferred stock - $.01 par value; 10,000,000 shares authorized</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Common Stock - $.01 par value; 10,000,000 shares authorized</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>77</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>77</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>76</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>76</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>75</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Nonvested restricted stock</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(1,105</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(803</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(919</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(887</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(993</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Additional paid-in capital</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>107,529</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>106,152</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>105,378</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>104,354</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>103,600</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Accumulated other comprehensive income (loss)</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>410</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(298</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>424</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>188</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(379</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Retained earnings</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>103,564</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>100,732</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>93,535</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>86,123</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>78,883</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 84%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total shareholders&#8217; equity</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>210,475</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>205,860</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>198,494</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>189,854</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>181,186</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 84%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total liabilities and shareholders&#8217; equity</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,372,249</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,267,195</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,201,626</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,116,044</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,014,426</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="84%" noWrap align=left><B><FONT size=1 face=Arial>Common Stock</FONT></B></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Book value per common share</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>27.27</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>26.83</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>26.05</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>25.12</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>24.14</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Stock price:</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>High</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>42.72</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>44.32</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>41.69</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>39.16</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>39.10</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Low</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>21.64</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>37.94</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>36.27</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>33.97</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>31.63</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Period end</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>28.37</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>42.49</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>39.85</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>39.16</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>33.87</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>Common shares outstanding</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>7,718</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>7,673</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>7,619</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>7,558</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>7,506</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR></TABLE>
<div style="TEXT-ALIGN: center"><FONT size=1 face=Arial>[Footnotes to table located on page 7]</FONT></div>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>4</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

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

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

<TR vAlign=bottom>
   <TD COLSPAN="17" STYLE="width: 100%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><B><FONT size=2 face=Arial>ASSET QUALITY MEASURES - Unaudited</FONT></B> <B><FONT size=2 face=Arial></FONT></B></TD></TR>
<TR>
   <TD width="100%" colSpan=17>&nbsp; </TD></TR>
<TR vAlign=bottom>
   <TD width="84%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD COLSPAN="15" STYLE="width: 15%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="84%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="84%" noWrap align=left><B><FONT size=1 face=Arial>Nonperforming Assets</FONT></B></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="84%" noWrap align=left><B><FONT size=1 face=Arial>Commercial</FONT></B></TD>
   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Owner occupied RE</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Non-owner occupied RE</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>3,268</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>188</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,963</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>372</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>403</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Construction</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Commercial business</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>231</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>235</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>198</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>65</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>72</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="84%" noWrap align=left><B><FONT size=1 face=Arial>Consumer</FONT></B></TD>
   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Real estate</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,821</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,829</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,637</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,710</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,840</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Home equity</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>427</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>431</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>467</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>442</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,249</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Construction</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Other</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>-</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Nonaccruing troubled debt restructurings</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>4,186</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>4,111</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>2,763</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>3,220</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>2,485</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>Total nonaccrual loans</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>9,933</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>6,794</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>7,028</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>5,809</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>6,049</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1pt solid; width: 84%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>Other real estate owned</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>-</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Total nonperforming assets</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>9,933</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>6,794</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>7,028</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>5,809</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>6,049</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Nonperforming assets as a percentage of:</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Total assets</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.42</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.30</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.32</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.27</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.30</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Total loans</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.49</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.35</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.38</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.32</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.35</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>Accruing troubled debt restructurings (TDRs)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>7,939</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>5,219</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>5,791</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>6,935</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>6,839</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD></TR>
<TR>
   <TD width="100%" colSpan=17>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="84%" noWrap align=left>&nbsp;</TD>
   <TD width="1%" noWrap align=left></TD>
   <TD COLSPAN="15" STYLE="width: 15%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="84%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="84%" noWrap align=left><B><FONT size=1 face=Arial>Allowance for Loan Losses</FONT></B></TD>
   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Balance, beginning of period</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>16,642</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>15,848</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>16,144</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>16,051</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>15,762</FONT></TD>
   <TD width="1%" noWrap align=left></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Loans charged-off</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(266</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(275</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(963</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(237</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(41</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Recoveries of loans previously charged-off</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>86</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>19</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>17</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>30</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>30</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Net loans charged-off</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(180</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(256</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(946</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(207</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>(11</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Provision for loan losses</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>6,000</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,050</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>650</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>300</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>300</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Balance, end of period</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>22,462</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>16,642</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>15,848</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>16,144</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>16,051</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Allowance for loan losses to gross loans</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1.11</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.86</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.86</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.89</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>0.93</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="84%" noWrap align=left><FONT size=1 face=Arial>Allowance for loan losses to nonaccrual loans</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>226.14</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 244.95</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; 225.50</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>277.91</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>&nbsp; 265.35</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial>%</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 84%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>Net charge-offs to average loans QTD (annualized)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>0.04</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>0.06</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>0.21</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>0.06</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>%</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>0.00</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1.5pt solid"><FONT size=1 face=Arial>%</FONT></TD></TR></TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>Total nonperforming assets increased by $3.1 million to $9.9 million for the first quarter of 2020, compared to the fourth quarter of 2019, which represents 0.42% of total assets, an increase of 12 basis points. The increase in nonperforming assets was primarily a result of $3.2 million of loans added to nonaccrual status, driven by one commercial real estate loan. The allowance for loan losses as a percentage of nonaccrual loans was 226.14% at March 31, 2020, compared to 244.95% at December 31, 2019 and 265.35% at March 31, 2019.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>At March 31, 2020, the allowance for loan losses was $22.5 million, or 1.11% of total loans, compared to $16.6 million, or 0.86% of total loans, at December 31, 2019 and $16.1 million, or 0.93% of total loans, at March 31, 2019. Net charge-offs were $180,000, or 0.04% on an annualized basis, for the first quarter of 2020 compared to $256,000, or 0.06% of net charge-offs, annualized, for the fourth quarter of 2019. Net charge-offs were $11,000 for the first quarter of 2019. The provision for loan losses was $6.0 million for the first quarter of 2020 compared to $1.1 million for the fourth quarter of 2019 and $300 thousand for the first quarter of 2019. The increased provision during the first quarter of 2020 is driven by the COVID-19 pandemic and qualitative adjustment factors related to the uncertain economic conditions, as well as an increase in past due and non-accrual loans at March 31, 2020.</FONT></P>
<P style="TEXT-ALIGN: justify"><FONT size=2 face=Arial>As we work to assist clients affected by the pandemic, we are granting loan modifications or deferrals to certain borrowers on a short-term basis of three to six months. As of March 31, 2020, over 400 clients had requested loan payment deferrals or payments of interest only on loans totaling $380.2 million, of which 93.3% were commercial loans. At March 31, 2020, non-performing assets were not yet materially impacted by the economic pressures of COVID-19; however, accruing TDRs increased by $2.9 million due to loan modifications related to three client relationships already experiencing financial difficulty prior to the pandemic. In addition, as we closely monitor credit risk and our exposure to increased loan losses resulting from the impact of COVID-19 on our commercial clients, we have identified nine portfolios to monitor during this crisis. The table below identifies these segments as well as the outstanding and committed loan balances for each industry.</FONT></P>
<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>5</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

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

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



<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: left">&nbsp;</TD>
   <TD COLSPAN="18" STYLE="border-top: Black 1.5pt solid; white-space: nowrap; text-align: right">&nbsp;</TD></TR>
<TR vAlign=bottom>

   <TD width="81%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD COLSPAN="18" STYLE="width: 18%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>March 31, 2020</FONT></B></TD></TR>

<TR vAlign=bottom>

   <TD width="81%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><B><FONT size=1 face=Arial>% of</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD width="81%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="CENTER" STYLE="text-align: right"><B><FONT size=1 face=Arial>% of Total</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="3%" COLSPAN="3" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><B><FONT size=1 face=Arial>Total</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><B><FONT size=1 face=Arial>Committed</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><B><FONT size=1 face=Arial>Total</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD width="81%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><B><FONT size=1 face=Arial>Balance</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><B><FONT size=1 face=Arial>Loans</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="3%" COLSPAN="3" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><B><FONT size=1 face=Arial>Committed</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><B><FONT size=1 face=Arial>Balance</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="2%" COLSPAN="2" NOWRAP ALIGN="RIGHT" STYLE="text-align: right"><B><FONT size=1 face=Arial>Modified</FONT></B></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: right"></TD>

   <TD width="1%" noWrap align=left></TD></TR>

<TR vAlign=bottom>

   <TD STYLE="width: 81%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; text-align: right"><B><FONT size=1 face=Arial>Outstanding</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid; text-align: right"><B><FONT size=1 face=Arial>Outstanding</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid; text-align: right"></TD>

   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; text-align: right"><B><FONT size=1 face=Arial>Balance</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; text-align: right"><B><FONT size=1 face=Arial></FONT></B></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; text-align: right"><B><FONT size=1 face=Arial>Outstanding</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid; text-align: right"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; text-align: right"><B><FONT size=1 face=Arial>Balance</FONT></B></TD>

   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid; text-align: right"></TD>

   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; text-align: right"><B><FONT size=1 face=Arial>% Modified</FONT></B></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="81%" noWrap align=left><FONT size=2 face=Arial>Religious organizations</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=2 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>56,306</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.8</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="3%" colSpan=3 noWrap align=right><FONT size=2 face=Arial>88,422</FONT></TD>

   <TD width="1%" noWrap align=right>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;63.6</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,539</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2.7</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="81%" noWrap align=left><FONT size=2 face=Arial>Entertainment facilities</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4,605</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.2</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" colSpan=3 noWrap align=right><FONT size=2 face=Arial>9,464</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>48.7</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>255</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>5.5</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="81%" noWrap align=left><FONT size=2 face=Arial>Hotels</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>82,227</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>4.1</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" colSpan=3 noWrap align=right><FONT size=2 face=Arial>104,155</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>78.9</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>6,050</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7.4</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="81%" noWrap align=left><FONT size=2 face=Arial>Personal care businesses</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1,349</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.1</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" colSpan=3 noWrap align=right><FONT size=2 face=Arial>1,385</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>97.4</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>137</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>10.2</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="81%" noWrap align=left><FONT size=2 face=Arial>Restaurants</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>48,352</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>2.4</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" colSpan=3 noWrap align=right><FONT size=2 face=Arial>53,526</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>90.3</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3,673</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7.6</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="81%" noWrap align=left><FONT size=2 face=Arial>Sports facilities</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>22,229</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.1</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" colSpan=3 noWrap align=right><FONT size=2 face=Arial>22,882</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>97.1</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>683</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3.1</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="81%" noWrap align=left><FONT size=2 face=Arial>Travel related businesses</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>3,328</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>0.2</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" colSpan=3 noWrap align=right><FONT size=2 face=Arial>4,085</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>81.5</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>555</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>16.7</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD width="81%" noWrap align=left><FONT size=2 face=Arial>Private healthcare facilities</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>36,462</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>1.8</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" colSpan=3 noWrap align=right><FONT size=2 face=Arial>41,899</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>87.0</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>12,531</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>34.4</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom; background-color: Silver">

   <TD width="81%" noWrap align=left><FONT size=2 face=Arial>Non-essential retail</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>154,450</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>7.6</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="3%" colSpan=3 noWrap align=right><FONT size=2 face=Arial>160,702</FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>96.1</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial></FONT></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>13,843</FONT></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=left></TD>

   <TD width="1%" noWrap align=right><FONT size=2 face=Arial>9.0</FONT></TD>

   <TD width="1%" noWrap align=left><FONT size=2 face=Arial>%</FONT></TD></TR>

<TR STYLE="vertical-align: bottom">

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 81%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>Total</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>$</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>409,308</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>20.2</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD COLSPAN="3" STYLE="border-bottom: Black 1.5pt solid; width: 3%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>486,520</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>84.1</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial></FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>39,266</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=2 face=Arial>9.6</FONT></TD>

   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=2 face=Arial>%</FONT></TD></TR>

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

<TR vAlign=bottom>
   <TD COLSPAN="17" STYLE="border-bottom: Black 1.5pt solid; width: 99%; white-space: nowrap; text-align: left"><B><FONT size=2 face=Arial>LOAN COMPOSITION - Unaudited</FONT></B> <B><FONT size=2 face=Arial></FONT></B></TD></TR>
<TR>
   <TD width="99%" colSpan=17>&nbsp;</TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="15" STYLE="width: 15%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD width="83%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B> <B><FONT size=1 face=Arial></FONT></B></TD></TR>
<TR vAlign=bottom>
   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B> <B><FONT size=1 face=Arial></FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="83%" noWrap align=left><B><FONT size=1 face=Arial>Commercial</FONT></B></TD>
   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Owner occupied RE</FONT></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial>$&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>422,124</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>407,851</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>392,896</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>390,727</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>&nbsp;&nbsp;&nbsp;386,256</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Non-owner occupied RE</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>534,846</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>501,878</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>481,865</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>455,346</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>423,953</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Construction</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>74,758</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>80,486</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>75,710</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>85,065</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>80,561</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 15pt; width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Business</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>317,702</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>308,123</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>290,154</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>292,564</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>281,502</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 30pt; width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Total commercial loans</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,349,430</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,298,338</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,240,625</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,223,702</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>1,172,272</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="83%" noWrap align=left><B><FONT size=1 face=Arial>Consumer</FONT></B></TD>
   <TD width="1%" noWrap align=left><B><FONT size=1 face=Arial></FONT></B></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Real estate</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>427,697</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>398,245</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>346,512</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>342,100</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>330,538</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Home equity</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>183,099</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>179,738</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>174,611</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>170,861</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>167,146</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Construction</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>45,240</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>41,471</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>49,548</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>46,247</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>39,838</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Other</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>24,795</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>25,733</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>27,131</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>26,445</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>24,170</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="border-bottom: Black 1pt solid; width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total consumer loans</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>680,831</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>645,187</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>597,802</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>585,653</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>561,692</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 30pt"><FONT size=1 face=Arial>Total gross loans, net of deferred fees</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>2,030,261</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,943,525</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,838,427</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,809,355</FONT></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>1,733,964</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>Less&#8212;allowance for loan losses</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(22,462</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(16,642</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(15,848</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(16,144</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(16,051</FONT></TD>
   <TD STYLE="border-bottom: Black 1pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>)</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="padding-left: 30pt; border-bottom: Black 1.5pt solid; width: 83%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>Total loans, net</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,007,799</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,926,883</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,822,579</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,793,211</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,717,913</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD></TR>
<TR>
   <TD width="99%" colSpan=17>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD COLSPAN="17" STYLE="border-bottom: Black 1.5pt solid; width: 99%; white-space: nowrap; text-align: left"><B><FONT size=2 face=Arial>DEPOSIT COMPOSITION - Unaudited</FONT></B> <B><FONT size=2 face=Arial></FONT></B></TD></TR>
<TR>
   <TD width="99%" colSpan=17>&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="15" STYLE="width: 15%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>Quarter Ended</FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="83%" noWrap align=left></TD>
   <TD width="1%" noWrap align=left></TD>
   <TD width="3%" colSpan=3 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>December 31</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>September 30</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>June 30</FONT></B></TD>
   <TD width="1%" noWrap align=center></TD>
   <TD width="2%" colSpan=2 noWrap align=center><B><FONT size=1 face=Arial>March 31</FONT></B> <B><FONT size=1 face=Arial></FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial>(dollars in thousands)</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left; border-bottom: Black 1pt solid"><FONT size=1 face=Arial></FONT></TD>
   <TD COLSPAN="3" STYLE="width: 3%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2020</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"></TD>
   <TD COLSPAN="2" STYLE="width: 2%; white-space: nowrap; text-align: center; border-bottom: Black 1pt solid"><B><FONT size=1 face=Arial>2019</FONT></B> <B><FONT size=1 face=Arial></FONT></B></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD width="83%" noWrap align=left><FONT size=1 face=Arial>Non-interest bearing</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>437,855</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>397,331</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>414,704</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>368,906</FONT></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>359,754</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"><FONT size=1 face=Arial></FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD width="83%" noWrap align=left><FONT size=1 face=Arial>Interest bearing:</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD width="1%" noWrap align=right></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>NOW accounts</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>260,320</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>228,680</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>230,676</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>229,109</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>211,613</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Money market accounts</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>979,861</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>898,923</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>891,784</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>857,478</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>791,490</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Savings</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>19,563</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>16,258</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>15,912</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>15,180</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>15,451</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Time, less than $100,000</FONT></TD>
   <TD width="1%" noWrap align=left><FONT size=1 face=Arial></FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="RIGHT" STYLE="text-align: left"></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>43,596</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>47,941</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>55,501</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>59,382</FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial></FONT></TD>
   <TD width="1%" noWrap align=right><FONT size=1 face=Arial>61,331</FONT></TD>
   <TD WIDTH="1%" NOWRAP ALIGN="LEFT" STYLE="text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: Silver">
   <TD STYLE="width: 83%; white-space: nowrap; text-align: left; padding-left: 15pt"><FONT size=1 face=Arial>Time and out-of-market deposits, $100,000 and over</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right; text-align: left"></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>284,503</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>286,991</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>290,718</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>323,953</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>318,596</FONT></TD>
   <TD STYLE="width: 1%; white-space: nowrap; text-align: left"></TD></TR>
<TR STYLE="vertical-align: bottom">
   <TD STYLE="padding-left: 30pt; border-bottom: Black 1.5pt solid; width: 83%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>Total deposits</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"><FONT size=1 face=Arial>$</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>2,025,698</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,876,124</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,899,295</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,854,008</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial></FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: right"><FONT size=1 face=Arial>1,758,235</FONT></TD>
   <TD STYLE="border-bottom: Black 1.5pt solid; width: 1%; white-space: nowrap; text-align: left"></TD></TR></TABLE>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>6</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>

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

 <div>____________________</div>
<P style="TEXT-ALIGN: justify; margin-top:0pt; margin-bottom:0pt"><FONT size=1 face=Arial>Footnotes to tables:</FONT></P>

<DIV>
<TABLE style="WIDTH: 100%" cellSpacing=0 cellPadding=0 border=0>

<TR>
   <TD STYLE="width: 1%; padding-right: 8pt"><FONT size=1 face=Arial>(1)</FONT></TD>
   <TD width="99%">

   <P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>Total revenue is the sum of net interest income and noninterest income.</FONT></P></TD></TR>
<TR>
   <TD STYLE="width: 1%; padding-right: 8pt"><FONT size=1 face=Arial>(2) </FONT></TD>
   <TD width="99%">

   <P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>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></P></TD></TR>
<TR>
   <TD STYLE="width: 1%; padding-right: 8pt"><FONT size=1 face=Arial>(3)</FONT></TD>
   <TD width="99%">

   <P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>Annualized for the respective three-month period.</FONT></P></TD></TR>
<TR>
   <TD STYLE="width: 1%; padding-right: 8pt"><FONT size=1 face=Arial>(4)</FONT></TD>
   <TD width="99%">

   <P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>Noninterest expense divided by the sum of net interest income and noninterest income.</FONT></P></TD></TR>
<TR>
   <TD STYLE="width: 1%; padding-right: 8pt"><FONT size=1 face=Arial>(5)</FONT></TD>
   <TD width="99%">

   <P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>Excludes mortgage loans held for sale.</FONT></P></TD></TR>
<TR>
   <TD STYLE="width: 1%; padding-right: 8pt"><FONT size=1 face=Arial>(6)</FONT></TD>
   <TD width="99%">

   <P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>Excludes out of market deposits and time deposits greater than $250,000.</FONT></P></TD></TR>
<TR>
   <TD STYLE="width: 1%; padding-right: 8pt"><FONT size=1 face=Arial>(7)</FONT></TD>
   <TD width="99%">

   <P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>March 31, 2020 ratios are preliminary.</FONT></P></TD></TR>
<TR>
   <TD STYLE="width: 1%; padding-right: 8pt"><FONT size=1 face=Arial>(8)</FONT></TD>
   <TD width="99%">

   <P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>The common equity tier 1 ratio is calculated as the sum of common equity divided by risk-weighted assets.</FONT></P></TD></TR>
<TR>
   <TD STYLE="width: 1%; padding-right: 8pt"><FONT size=1 face=Arial>(9)</FONT></TD>
   <TD width="99%">

   <P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>The tangible common equity ratio is calculated as total equity less preferred stock divided by total assets.</FONT></P></TD></TR>
<TR>
   <TD STYLE="width: 1%; padding-right: 8pt"><FONT size=1 face=Arial>(10)</FONT></TD>
   <TD width="99%">

   <P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>Includes mortgage loans held for sale.</FONT></P></TD></TR></TABLE></DIV>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>ABOUT SOUTHERN FIRST BANCSHARES<BR></FONT></B><FONT size=2 face=Arial>Southern First Bancshares, Inc., Greenville, South Carolina is a registered bank holding company incorporated under the laws of South Carolina. The company&#8217;s wholly-owned subsidiary, Southern First Bank, is the third largest bank headquartered in South Carolina. Southern First Bank has been providing financial services since 1999 and now operates in 13 locations in the Greenville, Columbia, and Charleston markets of South Carolina as well as the Triangle and Triad regions of North Carolina and Atlanta, Georgia. Southern First Bancshares has consolidated assets of approximately $2.4 billion and its common stock is traded on the NASDAQ Global Market under the symbol &#8220;SFST.&#8221; More information can be found at </FONT><FONT size=2 face=Arial>www.southernfirst.com</FONT><FONT size=2 face=Arial>.</FONT></P>
<P style="TEXT-ALIGN: justify"><B><FONT size=2 face=Arial>FORWARD-LOOKING STATEMENTS<BR></FONT></B><FONT size=2 face=Arial>Certain statements in this news release contain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, such as statements relating to future plans and expectations, and are thus prospective. Such forward-looking statements are identified by words such as &#8220;believes,&#8221; &#8220;expects,&#8221; &#8220;anticipates,&#8221; &#8220;estimates,&#8221; &#8220;intends,&#8221; &#8220;plans,&#8221; &#8220;targets,&#8221; and &#8220;projects,&#8221; as well as similar expressions. Such statements are subject to risks, uncertainties, and other factors which could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. Although we believe that the assumptions underlying the forward-looking statements are reasonable, any of the assumptions could prove to be inaccurate. Therefore, we can give no assurance that the results contemplated in the forward-looking statements will be realized. The inclusion of this forward-looking information should not be construed as a representation by our company or any person that the future events, plans, or expectations contemplated by our company will be achieved.</FONT></P>
<P style="TEXT-ALIGN: justify; margin-bottom:0pt"><FONT size=2 face=Arial>The following factors, among others, could cause actual results to differ materially from the anticipated results or other expectations expressed in the forward-looking statements: (1) competitive pressures among depository and other financial institutions may increase significantly and have an effect on pricing, spending, third-party relationships and revenues; (2) the strength of the United States economy in general and the strength of the local economies in which the company conducts operations may be different than expected, including, but not limited to, due to the negative impacts and disruptions resulting from the recent outbreak of the novel coronavirus, or COVID-19, on the economies and communities the company serves, which may have an adverse impact on the company&#8217;s business, operations and performance, and could have a negative impact on the company&#8217;s credit portfolio, share price, borrowers, and on the economy as a whole, both domestically and globally; (3) the rate of delinquencies and amounts of charge-offs, the level of allowance for loan loss, the rates of loan growth, or adverse changes in asset quality in our loan portfolio, which may result in increased credit risk-related losses and expenses; (4) changes in legislation, regulation, policies, or administrative practices, whether by judicial, governmental, or legislative action, including, but not limited to, the Coronavirus Aid, Relief, and Economic Security Act, or the &#8220;CARES Act&#8221;; (5) adverse conditions in the stock market, the public debt market and other capital markets (including changes in interest rate conditions) could have a negative impact on the company; (6) changes in interest rates, which may affect the company&#8217;s net income, prepayment penalty income, mortgage banking income, and other future cash flows, or the market value of the company&#8217;s assets, including its investment securities; and (7) changes in accounting principles, policies, practices, or guidelines. Additional factors that could cause our results to differ materially from those described in the forward-looking statements can be found in our reports (such as Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K) filed with the SEC and available at the SEC&#8217;s Internet site (http://www.sec.gov). All subsequent written and oral forward-looking statements concerning the company or any person acting on its behalf is expressly qualified in its entirety by the cautionary statements above. We do not undertake any obligation to update any forward-looking statement to reflect circumstances or events that occur after the date the forward-looking statements are made, except as required by law.</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%">
<TR STYLE="vertical-align: top; text-align: left">
    <TD STYLE="width: 100%; border-bottom: Black 2pt dashed">&nbsp;</TD></TR>
</TABLE>

<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>FINANCIAL CONTACT: MIKE DOWLING &nbsp;864-679-9070</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>MEDIA CONTACT: ART SEAVER &nbsp;864-679-9010</FONT></P>

<P style="TEXT-ALIGN: justify"><FONT size=1 face=Arial>WEB SITE: </FONT><FONT size=1 face=Arial>www.southernfirst.com</FONT></P>

<P style="TEXT-ALIGN: center"><FONT size=2 face=Arial>7</FONT></P>
<HR align=center SIZE=2 width="100%" noShade>


</BODY>

</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>sfb35772723-8kx1x1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 sfb35772723-8kx1x1.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_VP!#  $! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_
MVP!# 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0'_P  1" !: *,# 2(  A$! Q$!_\0
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M],^(?%_A[PO;"Z\0ZQINCVN[:9M1N5M5<CDK )"&G8$?=C5F((RH!KQ_H_\
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MLFW=A0SH%!8#);KSEW\$OAG>M+/>^%+2]NIRQGOKN>]N+Z5B "\E[)>-<NP
M W-,6 XW<5Y7XQ_9>\,W4<5_X$N+WPGKUH[2VSB^O[BSE=5)0/+)<2ZC8LS?
M(;JRNE,<98_99F %?SSQCGGTC<G>+S'*_#GPOXVX:PRJU9\-X/B?B"EQ?C<&
MO^7.'EG65U.',1F$J2G*.'AR82I.*@JK4DG]+@,-PE7C3I8C-LZR_%U$E]:J
MY?@YY?2J)*RJ+#5WC(TG)V]I:4XQUMHT=;\3_A%::S9?\)#X(CL_#7CS2IQ>
MZ;K&FQ+IL]X$R9;"_FLUB,L<P)*/<K+L=%C?=!)<12>/_&_Q#-XN_9]\(Z[<
M6[VU[>:YI U*W97!M]2M+76K+4X ')=5M]0MKJ)3(QDVA=[LQ+'L/@S\1/%T
M'B"Z^%GQ.M[F/Q%!;/-H]_>((WU"R@W1SVKR[#'?E8TEGLM2B>5;R"UNTF(E
MMOM%YU'Q_P##%O+\(/$EMI=C&D>GW)\2+%$FU8YAK8U+5+E !\K.E[J=S.W5
MEDE'4U^(\7X'AGQ+\#?'#C_PYP^-X8_UC\*N,N'>.?#_ !. GE>(R[C+AK"0
MQD'F&14*.$P66\0X7+Z&8Y=C<5@L#1_M["8C*<7S8BG3H5JGT>7UL9D_$W#>
M5YO4HXQ8'/,OQF6YK"I]8IU\LQ=2$>6CBISG4JX2=1TJM*G5G+ZK56(@E!N<
M(^0?LA3?9M&^(5R0%BMY-"D9V&59((-9N'4<<L#RQY^0(/3'I/PP^&]CX@E?
MXL>-(%UCQ!XI)UK2;#4T-U:>'-&U +/IMK!!<YC:\BM#"AN3"CVT(2VABBD%
MU+=\I^RW%I6B_#;Q#JNOW=AI=AK'B5K/[5J5S!9P2QP:?8:>D/G7#1(/,NFN
MXXD+9,\DL2 R$@]/\8?B:^EV6D?#SX6O'?>,?$UI;1Z2-#DMI#IFCR0M+;W-
MI(6:S0W=C'*^GSNY@MK-)=2F>.&&'[1X?@[EW"G"/T7/ [CWQ(A4S?)^$^&,
MRS/AS@WZL\;4XAXPXMSJM6X9AE^35(U:.=9W4P5266Y+A,7@L=1HUL=B,PEA
MH1P\\30ZN(ZF/S#CGBG+,HE&A7S#,O88K'RFJ5/"Y=@Z,5C'5Q,+2PV&C)*K
MB:D:E*4X4X4>>\XTY^L^-?B1\-?A3X;U?Q+X[\4>'/!WA[P[HVI:]JE_JU[;
M6<5CHNC6<U_J>H>2#]IE@L;&">YF-M!,RQ0N51L$#RK]F7]L3]G[]L#X>VOQ
M3_9]\<OXS\"W^IZOI>FZM?>&/%G@N?59=#O#INIW>EZ-XZT+PUKVH:1;ZG'<
MZ4-<M-+GTBXU73]4TVWO9;O3+Z.#^?S]O7X=_'K]JC]IWX(_\$Y?@[XFU'69
MO%TVC_$;_@HKX_\ #^K74L?P:_9MU:2%-*^&NO\ B=)9)[+Q9\;?#P\7M9^&
MXK_3_$.M65CX9M[>QD^'7B#Q=KU?T/\ @O\ 9=^ ?P]\)Z#X,\#?"_PSX4\,
M>%M,L=%\.Z)H5K/8V&BZ5IEO'::?8Z7%!-']D@M;>)(T6/# #YG9AO/].<'9
M[XTYWP[@\Z?AGP1P&L?FU.>"X6SW/LPAG6#X4CA;PJ9K+AS*Z>54.(\3B9Q]
MCE]%3RO!X6G.&*J_6I\L?C\PP7#N$JSPZSG,<SG"C+FQN$P=!X=XQ5.5JG'&
M5G7J86*C)>WDU7JM\\(62<O?ED+<Y!!Z94@=1@Y[X'/ ]C@])AGG)SZ<8_S_
M )^@YW2-!M](VK97>J""-&06E]?S:E"Z !4(EOWN[R,0@%8TAN88L85HF"C'
M1$@=3Z>O7M],X_&OW+!U,57P\)8W"1P>(T]I0AB:6*A&45%-TZ]&,(R@VI<G
M-%5%&WM/>N?.S4(OW).4+*TG%P>O\T6W9NZO9VOLD+WQ]/US_A148?+%>>1D
M?3GGH.OYU)_6NPA.ZO:WD%%)W/X?Y]__ *] YR<Y!QCTQC_'- Q:***  \ G
MTJ":>.&)I9&"*B[F8Y( )VY['AB 3P%SDG&:F8X&?3J/45^$'_!QM^T_X\_9
M@_X)B_%*^^'D[:5KWQJ\2:'^SY<^*(9;J*Z\*>%?B#H'BW5?&NJV7V-#<?;M
M2\)^$M9\(6MQ!-;7.GMXH;5+.=+ZQM4D /7?A;^T;^T5_P %"?C!X[@^ \^N
M_L^?L$_#74O$/@B/]I.UTO0KGXQ?M3_$31;LZ5>7/[/<7C/PSXO\%>&/@!H%
MU]OBO?BS=^'M9\1?$'4(+*R^'NH^%IK#Q'?^'_B#_@I9^S?\-OV<?#OP]E_9
MI_:1_:GG_P""A/Q2^,?P:\"? SX>^-_VR_CW\<-/^,%UXF^(6A6'CVU^*?[/
MWQ6^)?C3X=Z[\%=.^%S^/-4\=W5QX#TKP;I-I#%;:M=V5KJ<>FZO_0E\$_ _
MAKX9_![X5_#KP8(QX2\!_#KP3X+\+K$5\I?#WA3PQIF@:(D*QK'%Y,6EZ?:Q
M0^5&D9A2,H-@2N5T;]G;]GCX?_%7XB?M&:-\)OASX<^,OQ%L]/\ ^%D?&A?#
M^D0>/M?TKP[HNEZ-866L>.+R-];BT+3]$T#2K4Z5'J%OI"QZ9;W3VIN8S/0-
M-K5'\CW_  5U_9"U/_@B9XD^'?\ P4R_X)@:RGP%TW7O'DGPO^//P52\U#6_
MA)XC3QG::OXE\+RQ^!-8DO["+P#+>>'=6TR_\*Q7UE!X)U"]\&:G\*6\&WFD
M3:A9_P!37Q-_;(^'7P>^'OPT\1>*=+\6^(OB1\6M+\/-\-_V??AOHL?C/XY>
M/O$.N:?!?R:'X2\"_;])DELM"ADN+CQ=XU\1ZCX;\ >!=)L+S7?'7BWPWHMI
M=ZA#^.G[3MW\)_\ @KQX_G\2W_CV:?\ X);?\$Y_$VK?&+XT^,O#UE-J7A_]
MK+X[_#?0]4UW7/ G@K6(IFT_7O@U\'/A[%K=GXZ\8:6]U%XXUWQ]J7A?P&MY
M8V-I\4-&]1_X(O?L_>(_B5I?BW_@K;^TI>7NO_M.?MR:3=ZOX.T_4KE9='^
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M32\3?\%,/@]X+\6_LZ^+_!NN_$WX":?XNG^%/PFM8="\)W_B?0?%(\*R>)O
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MPOKMK;:A;)=P0:QX<\1V.F:]HFIQ12I'?Z5J^G6>H:?>)-97EO%<P2QINCD
?^M08 P , ;@ .  '8 #'0   #L  .E3T %%%% '_V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>4
<FILENAME>sfb35772723-ex991x1x1.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 sfb35772723-ex991x1x1.jpg
M_]C_X  02D9)1@ ! 0$ 70!=  #_[@ .061O8F4 9      !_]L 0P ! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$!_]L 0P$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!
M 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$! 0$!_\  $0@
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M+'TLPQ4+U50J.G4<5"A14UBL6TJ,JON1E4E-%;_@HU\6/'7QM^-/PD_X(P?
M'Q1J'Q=\7?$Z[O/B3_P42\4VMMI'AMF^#,UW;:K;?"W7?%G@?P[:6GP[C^)V
MM6]OI?C/Q-;Z?_;&A>"5U?3;/[=KNN:5HM]]1>&/C_\ &/X%?MY_L1_\$Z/@
MGXV\&?$.V\-?#GQYXM_:[^%?P\\!>$=)^!W[-7P)TCPY<Z5\'-(\':U9Z==?
M$SPYX_'B'3K*"#1_B!XPUV[\=: -6\3_ -D^'9=7T/2D^?\ _@F)^SG\0/V%
M?^"?W[97QLT/PSK?Q6_X*0_&#X3_ !/_ &E/B?KMW!J'BW7_ !Q\9(_!?BOQ
M-\//A?8E[9[^:/POXEOX=.;2-)LS-X@U.>2:"P%PL-F_?_\ !(;]G35/V?OV
M9_%3?"N+Q-\4OVW?VI((OB_^V)^T_P#$?0O%OA/PIX5^)'BJVOKW3/"-G/XQ
MT"RU[Q'JGP_L[Y=&L/AQX4BN['3_ !#;:A=^)=>\+VVH6:2_U+X:\2\"\6\'
MY=FOAQF&7YEPQAL1F64X3$8"C4H4:F*RS'5L/FJC"K1P\JDY8]5JM7$*E&.+
ME66/3G'%PJ5/D\XP&88/,<10S:,XYA'V4J\:K;E'VE.G.G#WG)I0ING9-MK1
M)+8^U/VA_P#@HY:#XZ>-/V0_V??$O@'PG\1_A-H'A?QA^T?\?_C'"5^"WP \
M,^)$T^]T_P (6-A!J&G7_P 1OVA?&&EW\3^#OAM:3V=CI,=PVO>)9[Z/2KCP
MQJ'E/A_]O'XL?LR?L\?MN_MQ_M@7GC[_ (91\(ZIX,O_ -CW2?BOX%\$_#W]
MHOQIH]SHUOX:U=?$O@/P7X9\%#2=,\=_%;6-+M?AAI?B_1;#XAZ?X.BOM<\5
M:=96S0SS_%__  0XUK2OV;/@)\4=%_:@^"WQIU__ (*3>*?VHOC?K/Q[M+GX
M"^,O$?Q7\>:[K7B[5E\*>)--^(M]X:L?!-SX"U/PG'83Q^-YO&>B?#JSN[^6
M"\U;3HYPXVM=^!'[3'_!5;_@J7/I_P"U1X%U/P5_P3O_ &!%T;7K?X*ZEI_B
M2R\)_'3]IW45O;GPIJ"^(=1T;2=*^+_A_P  ::\^J:SXB\-SIX5TK7[;2=#L
M$U8:A=Z@GW\6VKOYKKNM'YW_ ,SR[;.VVEUHO333^KD&C?MH_P#!3[6?V0_V
M=OBQXY\7_#OX'G]IG]K+X7:;XW^,^K_"OPN?#W[/OP%^)]Y=:Q:Z'X:TW59-
M4\-^(+;PMIUGHW@7Q)\8OBZOA_\ M3Q[XGEM?#.@OX?TA/'C^R?%G_@IG\<?
MC[_P4-^&_P"Q)_P3<UOP#\3=+^!VG3^+/VVOBM>^&;7Q7X(L;V\6WT_PGX#L
MO%VBO>6GAV6XO(M4N_'>JZ+;3:E#;^3X:\+7-MK6H6M[:_H[_P %'_VB_B=^
MRC^Q_P"/?&7[/_P:\4?&_P".]Y;:3X"^!7PR\'>"[[Q;:77Q"\3WEOHOAW4O
M%&G:9;K8Z'X$\+2W::SXEO\ 4KNRL+31-/EC6Y21E-?GW\*/V,OBI_P3%_X)
M(_M.^(?@EHDWQ&_X*#?$KX._$7XW?%GXB:?9WNM^)/&G[3WB[POJM]J6N:7:
M6EC+K6LZ+\.]5U>^NO!/A.TM+B]ODT\:?:PS7M_&&4DW:VG=]OZ_IV; ]6_9
M]_; ^-7BK_@IWXM_8LA^*-Q\<?#WP,_9QU+QG^USXJL_ O@3PG\,?AC\;?&6
MO^%Y_@]\/_A9=Z/:S>,Y;J\\+S>+;CQ7H7CGQ-XBO+>"TT+4([\7-UJ&GZ;^
MMGA?XC^'O&M_XUM/"UW+J47@O7(/#>JZY#&DVA2Z\+6.ZU31M*U&(O'J4WA\
MS0V&N/;-)%INO&\T6>1-1TW4+6W_ !=_X)P_LZ7OP(_9&\+_ ++_ .S+K6LZ
MQX^UO6(/&O[5?[:7B_P?XBT5/%OQ"\=W]MK_ ,5M=\"7/CW1]-\0?$KQQ>Z+
M>'PGX+N7T&#P?X-@M(-3UK5QK=C)X:N/VZ\(^$?#GP[\)>'O!GAO3H],T#PU
MI&GZ'I-G')/<R1V&FVL5I;F[O;N2:]U&]DCA22]U.^GGOM1NVEO+R>6XFED9
MJ_6WR [%L;6SD#!R1P<8['L:_DY_X."?^"K_ .W;_P $Q?CK^RII7[/OB/X(
M7WPV_::M?%ND76A_$/X2:_XF\3>#=;\#:MX4TO5-5MM9TOXE>%K;6+#6K7Q;
M:W-AICZ59365UIUX9=7DM[JU2'^L209C<#J48#\5-?P=_P#!YI>6UA\4/^"7
MMU=NL$*:_P#&Z2:\*/(+:"TUSX-S2R&*%9)G"QDL0D;%L$*&.13 _JSM_@M_
MP4*O;:WG7]N+X(6\DMFHA9OV'M8D0-(B.SE1^V"PDG!.&GF*2R#<K2LK$'XU
M_:;^'O\ P7Z\!:'>>(/V5_VAOV OCMJUFIG?P3\5/V>OB5\&-;U>".*0O%HV
MMVGQU^(WA>YU%I!#'#:ZQ=^'[&YR&FU&S^S1K/[99_\ !<'_ ()86=E8QW?[
M9?PX@>*VB5HGT_Q@)7V0)PT:>&Y'B=3N#1RA'1E9'566ODSXL_\ !R/^P"OQ
M6_9T_9^_96^(VE_M+_&C]H']I+X-_!>;2=&TSQKX;\+^ /"'C_QUH_A_Q7XY
MUSQ7KGA6RT^^N=&T:\O?^$?T307U2ZU+7S:6^I'2=-6XOT!:-:[;_KO^I]/_
M +$G[2/[:/[4_P#P3^\:ZY\9-!T+]FO]OWX5:C\3_AW\5_"MWX(GN_"?A;XG
M^"PWB/P(TGAZ_P!7O)]1\)^// .J>!O%$]]HGB6Y6ZTGQ.^I^%]96WFTRX7X
M#_X-R_\ @I=^W#_P53\+_'[XS?M,>(/A-X?\'_"3Q=HWPJ\.> _A5\.;K01K
M/B"_T5?$6K>(->U_7/%/B2[@32+2:QM=+L--2WCU%KZ]FOI97LH!7])'BRRM
M[7PKXUNHK:W@N;[P]KTMY<6Z!3<R6NA365O+=N$1[BX2U@@@667>Z0P1VZN8
MHHP/XXO^#*MT;]DO]LU8QC_C*;2689.2I^'&F;!CV7OW]?5[WO;;31>2_*__
M  XUT_3;_AOO/I3_ (.#/^"G/[?W_!,+XP?LEI^SSXT^#>K?"[]J?7/&7A23
M2/B-\*K_ ,0^(/ 6O>![WX?074NE:OIGB[0X-7T_5++QU%?0QW]I+<V]_:W%
MK)*UH\ 3]=/BC^S]^W1JOA6\TZ__ &W_  WJ\:S+=#1?#G[(GAK3=4OH("'C
MB<-\>++SK/S<"2&-GDAVJT<<I01G^;+_ (/-;VQTO6O^"3^JW\T=IIVF_&/X
M[7M_<RL%BMK2TN/V?;BYN)&)PL<4,+R.QZ*I[5^X/Q>_X*S_ /!*;Q#J^C:U
M#^WU\$=1F\):=Y-WX6\+^/--37+QS)!>Q7E[=?;('LK)(@L<MRR/#B10LC_*
MI_(?'!YI3\+.)X91PQ2XKI8W"1R[,LKJXG"4(2RG'XFAA\XQDHXW+,ZHU_[*
MRZ5;,8X.63YI/'RH+!T<!B9U>1>WPW*BLWP4\1BU@I4ZLJV%J>R]HIXFBE.C
M2;<H*C[6IRP5:<HPIM\TFK:^1?%;QM_P5\^&G@T6O[,7B+]GKX]^+_!MC>7L
M_P"S[XZ_9VUCX87/BO38$FN;H:5XVT3XYZK8VFO2PPR-:6VJ>&H=/OI7E\O6
M;:Z807'DW_!+/_@K7^R%_P %0_!/C&X\8?#K7/@Q\>OA?J%D/B/\)M O-:?2
M5T6ZFMK)/&.F7"@Q/HEYKLUUI-WI/VAM=M)[287491TEK3^)/_!?'X+W&C^(
M+;]D3PUK'[;?Q!2P3PWX7^"'[.7A;Q3\6]1U34M9M;VWTRY\9?$C0M#O?#WA
MK1K:93<7W]I7Z:@480Z=9W^)V@^!O^#?W_@C9\4?V,[/XD_M._MX>);?X+?%
M+X]-#H'A_P""&++4_$NB>%8-=_X22XU[Q??Z%>W]IHVJ>(KR2YAL-$@>\GTK
M3FM;C5)+'5'N-+M?X7IY)1XC\$>-L=G]?+>,N(\AS; 4^ O^)@>",H\/.$L-
MAXYAA,+AZ%'A+B?%9+E&%R+#95[2=#B&IE_#5;'584\#0R6:JT<FJ_I;JK+^
M),M]EAZF5X#%8:;Q\>&,;5S#%Q_<SE)4\1A:%6DJU6KR4ZE&BZU)4JL[U>9\
MR_3C_@H?_P %,KS]D?QE^R]\*/@!;^&/BY^T9^T]\0H?AY^S-\&-.CU'POX:
M_MJ\U'2O"YU_XTS1W%M?IX1LM1\0Z?$?)O+#5]:9+^XT67R].OGB_1WPW^S;
M^W3XO\,6>H?&#_@H'XI\">/;NSBEU'1/V9O@3\!/#_PZ\/ZA<0K<7.FZ;#\=
M?!/QZ\9ZQ8Z9<2-9PWM_XKCN=3C@^V/%;17,-E9_RP?\'%O[)'[7WA#X_P#[
M(O\ P4C_ &/?AMJ'C;PK^R%H49\10^ KA_%6H:!'X,\;7?Q'L/B)XHLX(UUR
M[T?7]-O+_2?%4MEIMU/HEA86L\TKVHGFM/=OV6O^#S_]CGQE:^'M!_:H_9^^
M,'P)\32165GKGBGP1>:'\6_AS#<J$BO-4D*R>$_'-G:.P-PEC8^$-?GMHF-J
M)IW@!D_KWZ./#=;A_@U8[$U/K6=<4JEF7%D\-F?$&(R' YUAJ<<MCEO"F4\6
MJ&;Y/PSALMP>!>4O#Q^HXNC5G+ +ZBL-)_!<6XQXC,52C2]E0P,72P;G0C1Q
ME:A4?M54Q\Z;DJ^)YIRC.;ZIWU33_2/]MW4?^"X'["O@37/CW^SU\8_@K_P4
M-^%W@?3]4UWXC?"+XX_ W0?A9\8]#\(Z;93ZGJNO>"/%/P5U[X=^%_%]U9V-
MH[75C?Z!I^I6<#L^FZ/X@GMXX[CZ=^+W[9_[7VH_\$K? ?[47P1_9TTS3OVV
M_C_X#^#U]\(?V<;W4I_'^D6'Q!^*NL:+<6NC:UK5C<^"&N]-T+X?W&M^+]>^
MV7&@'P\FFZA'K+6ZZ5J+'K_@!_P6>_X)5?MB:C9^!?A)^V)\&?$VM^*X;C3H
M?!'B^YU;X?Z[KINK9HKC1[;0OB5I'A2YU6:YM&D6XTZU@N99K0R[XA'OQ^HU
MM8:996UA96]E8V]OIHA&G6=M;0PVM@L=N;>%+&%$\JV2*!F2-8 OEQN57"-@
M_P!#_![O>SW3T=M+KRVWUO?J?*IMKRU_37TVWZGXS_LW?#?_ (+G^)_">C^)
M?VJ?VF_V'/A#XGNH+>^O_ 'PL_9?\>_%:;06,*O+I^J>,[[]HKP1I5[J4+?+
M>)I=AJ&D,2RVFIW<6R9_R8_9]_X*3?\ !7'XW?\ !8KXZ?\ !+.Z^,O[(GAO
M0/@;IWC'QEJ_QDB_9L^(&HZQKW@_0KOPK9Z;#8>"#\=;2TMO$=_<^,](^W6M
M[XM?3;2*VU"6TU"\=;:.3^PN55C@F=5RWE2$G.23M8G)XZDGMUZBOX?_ -@)
MW/\ P=R_\%$54?+)\$_'\K#&<R1>)_@%&A![85W'7G-+F=[--?CU2_77L)J_
MEZ7WNNBT^;V/V._; \.?\'"7PD\-7GB[]D7XL?L/?M1/IBRW-_\ #GQ=\"O'
M7P<\?ZQ;P1FZDB\+7M_\>_&/@S4]1:*%K>&SU/7/#>6*FTN+B=C:2?L)^SA\
M7A\</@%\(OC#<6KV&I>//AYX4\1>(= DLY[*_P#"_BF_TJV'BOPKJ>G706ZT
M[6/"WB==6\.:SI]RBSV.J:7>6DJJ\+*/<'7S&D0 #HK%AO5E94)4KE>2,8.<
MC&<\U7AM+>"+[):VT%K#&TC1I;0K# OFRO,Y$<85-\DCO)(P +R.TC99F)H:
M5N_]67Z?F7)B1%*1U$;D?4*<?K7\'7_!Y<8#\5?^"7L,\<,R-XA^-1+S[2N&
M\1_!P21.D@*-$ P5MX,>.HQU_O(/ )QG /'K[5_']_P<%_\ !';_ (*-?\%:
M/CY\$_$/P%;]G[P+\(?V=?"'B"P\+S?%+XE^)M/\7^+O&/C/6M.U?Q#JT>C^
M&/AQXBT_1])2R\/>&+#38+[7'FDGL;R^O)K"2X%I #/ZW=)TNP_LZSD>W@(^
MQ6R']S  JK!&JA=D2\!1CZ< 8QCX\_:D_P""?O[-W[5VH?"GQ;XW\"^&='^)
M?P4^-OPC^./P[^*^B>&/#=OX_P!!\0?"7QQH_C%=%A\1-IIOY/#'C:TTN;PC
MXNT>:>2"[T+5+BYM!:ZU9:5J5C[S^SK<?&"?X*_#FW^/>A^&M!^+^F>%M&TC
MXB6O@_Q)+XM\*W7B?3-.M;/6-3T#7+G0O#5W=Z;J5]'<7=H+G0]/FBCD$<D0
M*C/LH2%@\(+<DEN2",8Z'L!@'CCUH%:VBVNM'Y6V^Z_6[.7\9"./P5XMD\UG
MB7PUXEDD9R!D2:7>2-S@ !02 .@'TK^-7_@RG:%OV3?VS/+8$R?M0Z5)'MY+
M0Q_#G1P6..BXFBP>C;FQ]TX_J[_:^@^/.L?LY?%?PW^S)X>\*Z_\:?%O@[Q!
MX0\#-XV\6WG@KPQX<U/Q)H][H\7BW5-6T[PYXJO;F/PS+=)K,.CV>CS/K,UJ
MFFSW5A;3S7</X!?\&['_  2T_;Y_X))#X[?"O]HVS^ OB_X4?&C6/#7C;3/%
M?PG^*'BG6-7\'^+?#VFWVC2Z=>^%_%/PS\)C5-.\06-Y;"34+763<:3<:9"L
M%CJ$-_=RV<J2EMWM]UO\PCHM;/2WIHK?Y]+W/@C_ (/*F@D\2_\ !)F"01$G
MXT_'&1HG".'MA=_L_"1WB<%&C)!5@ZE2/E;KBO["?BQ\)?#FN^%%_L_^R_!\
M?AJ^?6;F\TOPUI]T)M.MK.?[=#_9L4,=O-(T#O,KRPRHTBCS(W1BM?S)?\'
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-T '8"C '08HHH __V0$!

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