-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 LAZovKI/7nR1HgbfUB0rog4CdYz5rWezq/D/ZsrVGEx4KCMIP9YxDq3gxX/6VLra
 KK/WWn9Ih7vjUDj0GkrcnQ==

<SEC-DOCUMENT>0000765207-08-000012.txt : 20080723
<SEC-HEADER>0000765207-08-000012.hdr.sgml : 20080723
<ACCEPTANCE-DATETIME>20080723164306
ACCESSION NUMBER:		0000765207-08-000012
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20080630
ITEM INFORMATION:		Results of Operations and Financial Condition
FILED AS OF DATE:		20080723
DATE AS OF CHANGE:		20080723

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			FIRST NATIONAL LINCOLN CORP /ME/
		CENTRAL INDEX KEY:			0000765207
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				010404322
		STATE OF INCORPORATION:			ME
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-26589
		FILM NUMBER:		08966170

	BUSINESS ADDRESS:	
		STREET 1:		P.O. BOX 940
		STREET 2:		MAIN STREET
		CITY:			DAMARISCOTTA
		STATE:			ME
		ZIP:			04543
		BUSINESS PHONE:		2075633195

	MAIL ADDRESS:	
		STREET 1:		P.O. BOX 940
		CITY:			DAMARISCOTTA
		STATE:			ME
		ZIP:			04543
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>thefirstbancorp08q28k.htm
<TEXT>
<HTML>
<HEAD>
<TITLE> </TITLE>
</HEAD>
<BODY bgcolor="#ffffff" style='font-family:"Times New Roman"'>




<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;border-top:solid 0.5pt;padding-top:1;'>&nbsp;</p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>UNITED STATES</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>SECURITIES AND EXCHANGE COMMISSION</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>WASHINGTON, D.C. 20549</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=2>FORM 8-K</font></B></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>CURRENT REPORT</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Pursuant to Section 13 or 15(d) of the</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Securities Exchange Act of 1934</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Date of report (Date of earliest event reported): July 23, 2008</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><B><font SIZE=4>THE FIRST BANCORP, INC.</font></B></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(Exact name of Registrant as specified in charter)</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font SIZE=2>MAINE</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(State or other jurisdiction of incorporation)</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>0-26589 01-0404322</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(Commission file number) (IRS employer identification no.)</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>Main Street, Damariscotta, Maine 04853</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(Address of principal executive offices) (Zip Code)</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(207) 563-3195</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>(Registrant's telephone number, including area code)</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.33in;text-align:center;'><font size=2>Check the appropriate box below if the Form 8-K filing is</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.33in;text-align:center;'><font size=2>intended to simultaneously satisfy the filing obligations</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt; text-indent:0.33in;text-align:center;'><font size=2>of the registrant under any of the following provisions:</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>[_] Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>[_] Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>[_] Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>[_] Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4 (c))</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;border-bottom:solid 0.5pt;padding-bottom:1;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<div TITLE="EE+ Page Break" STYLE="PAGE-BREAK-AFTER: always">

<HR noshade align="center" width="100%" size="2">
</DIV>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'>
<font SIZE=2>TABLE OF CONTENTS</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="420" style='margin-left:0pt;border-collapse:collapse; '>
    <tr >

        <td width="365" nowrap valign=top >
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Item 2.02 Results of Operations and Financial Condition</font></p> </td>

        <td width="55" nowrap valign=top >
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Page 1</font></p> </td> </tr></table>
</div>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="420" style='margin-left:0pt;border-collapse:collapse; '>
    <tr >

        <td width="365" nowrap valign=top >
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Item 9.01 Financial Statements and Exhibits</font></p> </td>

        <td width="55" nowrap valign=top >
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Page 1</font></p> </td> </tr></table>
</div>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="420" style='margin-left:0pt;border-collapse:collapse; '>
    <tr >

        <td width="365" nowrap valign=top >
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Signatures</font></p> </td>

        <td width="55" nowrap valign=top >
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Page 2</font></p> </td> </tr></table>
</div>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="420" style='margin-left:0pt;border-collapse:collapse; '>
    <tr >

        <td width="365" nowrap valign=top >
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Exhibit Index</font></p> </td>

        <td width="55" nowrap valign=top >
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Page 3</font></p> </td> </tr></table>
</div>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<div TITLE="EE+ Page Break" STYLE="PAGE-BREAK-AFTER: always">

<HR noshade align="center" width="100%" size="2">
</DIV>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'>
<font size=2>Section 2 - Financial Information</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Item 2.02 Results of Operations and Financial Condition.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>On July 23, 2008, the Registrant issued the press release filed herewith as Exhibit 99.1 with information regarding the results of operations and financial condition of The First Bancorp, Inc. for the quarter ended June 30, 2008.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Section 9 - Financial Statements and Exhibits</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Item 9.01 Financial Statements, Pro Forma Financial Information and Exhibits.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>(c) Exhibits.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>--------</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>The following Exhibits are being furnished herewith:</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>99.1 Registrant's Press Release dated July 23, 2008.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<div TITLE="EE+ Page Break" STYLE="PAGE-BREAK-AFTER: always">

<HR noshade align="center" width="100%" size="2">
</DIV>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'>
<font SIZE=2>SIGNATURE</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>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>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font SIZE=2>THE FIRST BANCORP, INC.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;border-bottom:solid 0.5pt;padding-bottom:1;'><font size=2>By: /s/ F. STEPHEN WARD</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>F. Stephen Ward</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Executive Vice President &amp; </font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Chief Financial Officer</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>Dated: July 23, 2008</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<div TITLE="EE+ Page Break" STYLE="PAGE-BREAK-AFTER: always">

<HR noshade align="center" width="100%" size="2">
</DIV>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;border-bottom:solid 0.5pt;padding-bottom:1;'>
<font size=2>Exhibit Index</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="260" style='margin-left:0pt;border-collapse:collapse; '>
    <tr >

        <td width="121" nowrap valign=top >
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Exhibit Number</font></p> </td>

        <td width="139" nowrap valign=top >
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Description of Exhibit</font></p> </td> </tr></table>
</div>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="392" style='margin-left:0pt;border-collapse:collapse; '>
    <tr >

        <td width="121" nowrap valign=top >
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>99.1</font></p> </td>

        <td width="271" nowrap valign=top >
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Registrant's Press Release dated July 23, 2008.</font></p> </td> </tr></table>
</div>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>



</BODY>
</HTML>

</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99
<SEQUENCE>2
<FILENAME>earnings08q2.htm
<TEXT>
<HTML>
<HEAD>
<TITLE> </TITLE>
</HEAD>
<BODY bgcolor="#ffffff" style='font-family:"Times New Roman"'>




<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;'><b>The First Bancorp Reports Record Quarterly Income, Up 12.7% Over 2007</b></p>

<p style=' margin-bottom:0pt; margin-top:5pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>DAMARISCOTTA, ME, July 23 &#150; The First Bancorp (Nasdaq: FNLC), today announced unaudited results for the quarter ended June 30, 2008, with net income of $3.6 million, a new record quarter and an increase of $407,000 or 12.7% from the $3.2 million posted for the second quarter of 2007. Earnings per share on a fully diluted basis were $0.37, up $0.04 or 12.1% from the $0.33 reported for the quarter ended June 30, 2007, and even with the record earnings per share set in the first quarter of 2008.</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>The Company also announced unaudited results for the first six months of 2008, with net income of $7.2 million, an increase of $1.0 million or 16.1% from the $6.2 million posted for the same period in 2007. Earnings per share on a fully diluted basis were $0.74 for the six-month period, up $0.11 or 17.5% from the $0.63 reported for the first six months of 2007.</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt; text-indent:0.06in;text-align:left;line-height: 150%;'><font size=2> &#147;This was another excellent quarter for The First Bancorp and its banking subsidiary, The First, N.A.,&#148; observed President &amp; Chief Executive Officer Daniel R. Daigneault. &#147;With the cost of funding dropping faster than the yield on assets, we saw improvement in our net interest margin, which led to increased net interest income &#150; up $1.3 million or 17.5% compared to the second quarter of 2007 and up $125,000 or 1.4% compared to the previous quarter. We have had strong growth in earning assets year-to-date, with the loan portfolio up $31.7 million or 3.4% and the investment portfolio up $24.6 million or 11.1%. At the same time, we have had good growth in low-cost deposits, despite the normal seasonal runoff we see in the first and second quarters.  </font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;Our excellent earnings performance also enabled us to increase the provision to the allowance for loan losses,&#148; President Daigneault observed. &#147;During the second quarter we provisioned nearly $1.0 million &#150; $689,000 above the second quarter of 2007 and $439,000 above the previous quarter. While we have not seen a portfolio-wide deterioration in credit quality, there was deterioration in one large relationship. Given that the national economy remains weak and the ongoing concerns about rising energy costs, however, we felt an additional provision to the allowance for loan losses to be prudent at this time,</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;At $7.8 million, the allowance for loan losses has increased $1.0 million since December 31, 2007,&#148; President Daigneault stated. &#147;This was the result of the above-noted larger-than-normal provision and net chargeoffs of only $439,000 for the first six months of 2008 &#150; very low, in our </font></p>

<p style=' margin-bottom:0pt; margin-top:5pt;text-align:left;'><font size=2>&nbsp;</font></p>

<div TITLE="EE+ Page Break" STYLE="PAGE-BREAK-AFTER: always">

<HR noshade align="center" width="100%" size="2">
</DIV>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>opinion, at 0.047% of average loans outstanding year-to-date. The delinquency rate in our loan portfolio and the level of non-performing assets, although up slightly since the end of 2007, are still very low in comparison to our historical levels and those of our peer banks.</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;We continue to be conservative in our loan underwriting and security selection,&#148; President Daigneault went on. &#147;Despite an increasingly competitive landscape, we do not compromise quality, and while this impacts our growth in the short-term, we feel this will serve us well in the long-term, with our earnings being less impacted as a result of credit losses. And to re-emphasize a point we have made in previous quarters, we have not originated sub-prime mortgages nor have we invested in securities collateralized by sub-prime loans.&#148;</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;With strong earnings and only a small growth in operating expenses, our efficiency ratio has improved substantially in 2008,&#148; noted F. Stephen Ward, the Company&#146;s Treasurer and Chief Financial Officer. &#147;Due to the competitive forces in our market area, the composition of our earning assets is weighted to lower-yielding mortgage loans and our funding mix has a proportionally greater amount of higher-cost certificates of deposit. As a result, we have historically had a net interest margin much lower than our peers, so in order to consistently produce above-peer earnings, we are focused on controlling expenses and operating efficiently. </font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;The impact of this is seen in our year-to-date efficiency ratio of 46.0%,&#148; Mr. Ward continued, &#147;compared to 50.8% for the same period last year and 61.1% for the Bank&#146;s peer group as of March 31, 2008. Non-interest expense year-to-date is $10.9 million, only $271,000 or 2.6% above the first six months in 2007, with the increase coming in higher employee costs. At the same time, we saw a slight improvement in non-interest income, which is up $77,000 or 1.7% over the same period last year.</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;During the past month, the capital adequacy of banks has been a growing concern for many people,&#148; Mr. Ward noted. &#147;Banks are required to meet regulatory ratios of capital to their assets, and to be considered well-capitalized &#150; the FDIC&#146;s highest rating &#150; a bank must maintain a Tier 2  Risk-Based Capital Ratio equal to or greater than 10 percent, a Tier 1 Risk-Based Capital Ratio equal to or greater than 6 percent, and a Leverage Capital Ratio equal to or greater than 5 percent. As of June 30, 2008, the Bank&#146;s actual capital ratios were 10.89%, 9.95% and 6.90%, respectively, comfortably above the level to be considered &#145;well-capitalized&#146; by the FDIC.</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt; text-indent:0.06in;text-align:left;line-height: 150%;'><font size=2> &#147;While remaining well-capitalized is of obvious importance for The First Bancorp, at the same time we seek to produce a return on our capital that is well-above peer,&#148; Mr. Ward continued. </font></p>

<p style=' margin-bottom:0pt; margin-top:5pt;text-align:left;'><font size=2>&nbsp;</font></p>

<div TITLE="EE+ Page Break" STYLE="PAGE-BREAK-AFTER: always">

<HR noshade align="center" width="100%" size="2">
</DIV>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;This is measured in return on average tangible equity, which year-to-date for the Company is 16.76%, up from the 15.41% posted for the first six months of 2007. Based upon March 31, 2008 data, the Bank&#146;s return on average equity was 17.09%, which placed it in the top 13% of all banks in its peer group which had an average return of only 9.65%.&#148;</font></p>

<p style=' margin-bottom:0pt; margin-top:6pt; text-indent:0.06in;text-align:left;line-height: 150%;'><font size=2> &#147;The Company raised its cash dividend again in the second quarter from $0.185 to $0.19 per share,&#148; President Daigneault said, &#147;and we have now raised our cash dividend for 15 consecutive years and for 51 consecutive quarters. At an annual rate of $0.76 per share, this results in a dividend yield of 5.57% based on our June 30, 2008 closing price of $13.65 per share &#150; a yield we view as extremely attractive given the returns available on fixed-income investments in the current low rate environment.</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt; text-indent:0.06in;text-align:left;line-height: 150%;'><font size=2> &#147;The price of our stock has had much more volatility in the past month,&#148; President Daigneault stated. &#147;Although we closed at $13.65 per share on June 30, 2008, this was significantly lower than our average closing price of $16.46 for the second quarter, and it was attributable to our addition to the Russell 2000 and Russell 3000 indices on June 27, 2008, just before quarter end. According to Nasdaq, companies which are added or deleted to Russell indices often see very unusual trading patterns in their stock just before and after this event as a result of speculators looking to take quick profits. Fortunately, our price has rebounded in the past week, closing last night at $17.88 per share, just below our 52-week high. While the recognition of being one of the 3,000 largest publicly traded companies in the United States is gratifying, we expect there will
be a higher level of volatility in our stock price as a result of being added to these indices.</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;Despite the drop in our stock at quarter end, the performance of our shares continues to compare very well to our industry,&#148; President Daigneault observed. &#147;Our price per share was down 6.76% in the first six months of 2008, while the KBW Regional Bank Index was down 29.47% for the same period. Our stock also fared well compared to the broad market, as measured by the S&amp;P 500, which declined 12.83% year-to-date, as well as the Russell 2000 and Russell 3000 indices, which had a year-to-date decline of 10.04% and 11.63%, respectively.</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;As  stated previously, this was an excellent quarter for FNLC,&#148; President Daigneault concluded. &#147;We saw good growth in earning assets, an improved net interest margin, increased net interest income, and record net income and earnings per share. Our efficiency ratio has improved dramatically this year, our credit quality remains good despite weakness in the national economy, and we are considered well-capitalized by the FDIC. I view The First Bancorp as a </font></p>

<p style=' margin-bottom:0pt; margin-top:5pt;text-align:left;'><font size=2>&nbsp;</font></p>

<div TITLE="EE+ Page Break" STYLE="PAGE-BREAK-AFTER: always">

<HR noshade align="center" width="100%" size="2">
</DIV>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>good investment opportunity, especially for those interested in Maine-based companies or high-performing community banks.&#148;</font></p>

<p style=' margin-bottom:7pt; margin-top:7pt;text-align:left;line-height: 150%;'><font size=2>The First Bancorp, headquartered in Damariscotta, Maine, is the holding company for The First, N.A. Founded in 1864, The First is an independent community bank serving Mid-Coast and Down East Maine with 14 offices in Lincoln, Knox, Hancock and Washington Counties. The Bank provides a full range of consumer and commercial banking products and services. First Advisors, a division of The First, provides investment advisory, private banking and trust services from two offices in Lincoln and Hancock Counties.</font></p>

<p style=' margin-bottom:7pt; margin-top:7pt;text-align:left;line-height: 150%;'><font size=2>Forward-looking and cautionary statements: except for the historical information and discussions contained herein, statements contained in this release may constitute &#147;forward-looking statements&#148; within the meaning of the Private Securities Litigation Reform Act of 1995. These statements involve a number of risks, uncertainties and other factors that could cause actual results and events to differ materially, as discussed in the Company&#146;s filings with the Securities and Exchange Commission. </font></p>

<p style=' margin-bottom:7pt; margin-top:7pt;text-align:left;line-height: 150%;'><font size=2>For more information, please contact F. Stephen Ward, The First Bancorp&#146;s Treasurer &amp; Chief Financial Officer, at 207.563.3195 ext. 5001.</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<div TITLE="EE+ Page Break" STYLE="PAGE-BREAK-AFTER: always">

<HR noshade align="center" width="100%" size="2">
</DIV>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;line-height: 150%;'>
</p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="591" style='margin-left:5.4pt;border-collapse:collapse; '>
    <tr style='height:18.75pt'>

        <td  colspan="4" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:18.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=3>The First Bancorp</font></b></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td  colspan="4" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><u><i><b><font size=2>Consolidated Balance Sheets (Unaudited)</font></b></i></u><i><u></u></i></p> </td> </tr>
    <tr style='height:7.5pt'>

        <td width="330" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:7.5pt'></td>

        <td width="86" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:7.5pt'></td>

        <td width="96" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:7.5pt'></td>

        <td width="79"
valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:7.5pt'></td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style=' border-top:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>

        <td width="86" nowrap valign=bottom style='border-top: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>June 30,</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='border-top: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>December 31,</font></p> </td>

        <td width="79" nowrap valign=bottom style='border-top: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>June 30,</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i><font size=2>In thousands of dollars</font></i><i></i></p> </td>

        <td width="86" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2008</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>2007</font></p> </td>

        <td width="79" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>2007</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Assets</font></b></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'></td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'></td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Cash and due from banks</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$19,997</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$17,254</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$21,349</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Overnight funds sold</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>-</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>-</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>-</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Securities available for sale</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>36,850</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>40,461</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>43,009</font></p> </td> </tr>
    <tr style='height:38.25pt'>

        <td width="330" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:38.25pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Securities to be held to maturity (fair value $206,475 at June 30, 2008, $181,132 at December 31, 2007 and $152,876 at June 30, 2007)</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:38.25pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>209,528</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:38.25pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>181,354</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:38.25pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>157,161</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Loans held for sale (fair value approximates cost)</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,253</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,817</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>44</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Loans</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>951,814</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>920,164</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>877,220</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Less: allowance for loan losses</font></p> </td>

        <td width="86" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>7,800</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6,800</font></p> </td>

        <td width="79" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6,714</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;  padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net loans</font></p> </td>

        <td width="86" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding: 0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>944,014</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding: 0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>913,364</font></p> </td>

        <td width="79" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding: 0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>870,506</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style=' padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Accrued interest receivable</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>7,886</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6,585</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7,876</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Premises and equipment</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>16,046</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>16,481</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>15,615</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Other real estate owned</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,558</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>827</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>625</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Goodwill</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>27,684</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>27,684</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>27,684</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Other assets</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>19,557</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>17,423</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>17,405</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:19.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Total Assets</font></b></p> </td>

        <td width="86" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$1,285,373</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$1,223,250</font></p> </td>

        <td width="79" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$1,161,274</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Liabilities</font></b></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'></td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'></td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Demand deposits</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$62,755</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$60,637</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$63,063</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>NOW deposits</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>108,543</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>101,680</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>101,908</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Money market deposits</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>114,096</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>124,033</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>121,352</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Savings deposits</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>87,023</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>86,611</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>89,798</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Certificates of deposit</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>339,620</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>301,364</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>364,611</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Certificates $100,000 and over</font></p> </td>

        <td width="86" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>130,083</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>106,955</font></p> </td>

        <td width="79" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>110,357</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total deposits</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>842,120</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>781,280</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>851,089</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Borrowed funds</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>317,055</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>316,719</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>188,478</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Other liabilities</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>11,440</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>12,583</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>11,494</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total Liabilities</font></p> </td>

        <td width="86" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,170,615</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,110,582</font></p> </td>

        <td width="79" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,051,061</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Shareholders' Equity</font></b></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'></td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'></td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Common stock</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>97</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>97</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>98</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Additional paid-in capital</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>44,030</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>44,762</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>45,817</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Retained earnings</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>70,996</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>67,647</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>64,213</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net unrealized gains (loss) on securities available-for-sale</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>(100)</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>436</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>428</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="330" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net unrealized loss on postretirement benefit costs</font></p> </td>

        <td width="86" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>(265)</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>(274)</font></p> </td>

        <td width="79" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>(343)</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:9.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total Shareholders' Equity</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>114,758</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>112,668</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>110,213</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:16.5pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Total Liabilities &amp; Shareholders' Equity</font></b></p> </td>

        <td width="86" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$1,285,373</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$1,223,250</font></p> </td>

        <td width="79" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$1,161,274</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font><i></i></p> </td>

        <td width="86" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'></td>

        <td width="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'></td>

        <td width="79" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'></td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Common Stock</font></b></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'></td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'></td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Number of shares authorized</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>18,000,000</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>18,000,000</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>18,000,000</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Number of shares issued and outstanding</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9,690,182</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9,732,493</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9,802,892</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Book value per share</font></p> </td>

        <td width="86" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$11.84</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$11.58</font></p> </td>

        <td width="79" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$11.24</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="330" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Tangible book value per share</font></p> </td>

        <td width="86" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$8.99</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$8.73</font></p> </td>

        <td width="79" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.95pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$8.42</font></p> </td> </tr></table>
</div>

<p style=' margin-bottom:0pt; margin-top:7pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<div TITLE="EE+ Page Break" STYLE="PAGE-BREAK-AFTER: always">

<HR noshade align="center" width="100%" size="2">
</DIV>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'>
</p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="637" style='margin-left:5.4pt;border-collapse:collapse; '>
    <tr style='height:18.75pt'>

        <td  colspan="5" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:18.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=3>The First Bancorp</font></b></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td  colspan="5" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><u><i><b><font size=2>Consolidated Statements of Income (Unaudited)</font></b></i></u><i><u></u></i></p> </td> </tr>
    <tr style='height:14.25pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:14.25pt'></td>

        <td width="92" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:14.25pt'></td>

        <td width="80" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:14.25pt'></td>


        <td width="92" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:14.25pt'></td>

        <td width="80" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:14.25pt'></td> </tr>
    <tr style='height:15.75pt'>

        <td width="293" valign=bottom style='border-top:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:15.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>

        <td  nowrap colspan="2" valign=bottom style='border-top:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt; height:15.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>For the six months ended</font></b></p> </td>

        <td  nowrap colspan="2" valign=bottom style='border-top:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt; height:15.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>For the quarters ended</font></b></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'></td>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><u><b><font size=2>June 30,</font></b></u><u></u></p> </td>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><u><b><font size=2>June 30,</font></b></u><u></u></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="293" valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i><font size=2>In thousands of dollars</font></i><i></i></p> </td>

        <td width="92" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2008</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>2007</font></p> </td>

        <td width="92" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2008</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>2007</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Interest income</font></b></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'></td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'></td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'></td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'></td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Interest and fees on loans</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$29,649</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$29,405</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$14,357</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$14,943</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Interest on deposits with other banks</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>-</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>-</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>-</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>-</font></p> </td> </tr>
    <tr style='height:16.5pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:16.5pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Interest and dividends on investments</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:16.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>6,195</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:16.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5,045</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:16.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3,157</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:16.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,559</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total interest income</font></p> </td>

        <td width="92" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>35,844</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>34,450</font></p> </td>

        <td width="92" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>17,514</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>17,502</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Interest expense</font></b></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'></td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'></td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'></td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'></td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Interest on deposits</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>12,349</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>14,868</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>5,910</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7,640</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Interest on borrowed funds</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>5,736</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,405</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,662</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,250</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total interest expense</font></p> </td>

        <td width="92" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>18,085</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>19,273</font></p> </td>

        <td width="92" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>8,572</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9,890</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net interest income</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>17,759</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>15,177</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>8,942</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7,612</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Provision for loan losses</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,439</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>550</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>939</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>250</font></p> </td> </tr>
    <tr style='height:15.75pt'>

        <td width="293" valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net interest income after provision for loan losses</font></p> </td>

        <td width="92" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>16,320</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>14,627</font></p> </td>

        <td width="92" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>8,003</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7,362</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Non-interest income</font></b></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'></td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'></td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'></td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'></td> </tr>
    <tr style='height:13.5pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Investment management and fiduciary income</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>780</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>955</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>390</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>453</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Service charges on deposit accounts</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,488</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,400</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>805</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>741</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net securities gains</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>28</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>-</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>-</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>-</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Mortgage origination and servicing income</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>216</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>214</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>123</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>114</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Other operating income</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,182</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,048</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,200</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,162</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total non-interest income</font></p> </td>

        <td width="92" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>4,694</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,617</font></p> </td>

        <td width="92" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,518</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,470</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Non-interest expense</font></b></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'></td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'></td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'></td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'></td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Salaries and employee benefits</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>5,680</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5,335</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,755</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,622</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Occupancy expense</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>774</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>748</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>363</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>370</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Furniture and equipment expense</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>942</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>969</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>452</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>495</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Amortization of identified intangibles</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>142</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>142</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>71</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>71</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Other operating expense</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3,336</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,409</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,784</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,794</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:12.0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total non-interest expense</font></p> </td>

        <td width="92" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>10,874</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>10,603</font></p> </td>

        <td width="92" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>5,425</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5,352</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Income before income taxes</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>10,140</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8,641</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>5,096</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,480</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Applicable income taxes</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,946</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,443</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,493</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,284</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><B><font SIZE=2>NET INCOME</font></B></p> </td>

        <td width="92" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$7,194</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$6,198</font></p> </td>

        <td width="92" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$3,603</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='border-top:solid black 1.0pt; border-left:none;border-bottom:solid black 1.0pt;border-right:none;  padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$3,196</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Earnings per common share</font></b></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'></td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'></td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'></td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'></td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Basic earnings per share</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$0.74</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.63</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$0.37</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.33</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Diluted earnings per share</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$0.74</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.63</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$0.37</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.33</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Cash dividends declared per share</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$0.375</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.335</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$0.190</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.170</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Weighted average number of shares outstanding</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9,711,869</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9,784,992</font></p> </td>

        <td width="92" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9,707,568</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9,788,528</font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Incremental Shares</font></p> </td>

        <td width="92" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>19,377</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>27,638</font></p> </td>

        <td width="92" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>20,298</font></b></p> </td>

        <td width="80" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>27,476</font></p> </td> </tr></table>
</div>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font style='background-color:yellow'><font size=2> </font></font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'>
</p>

<div TITLE="EE+ Page Break" STYLE="PAGE-BREAK-AFTER: always">

<HR noshade align="center" width="100%" size="2">
</DIV>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="574" style='margin-left:5.4pt;border-collapse:collapse; '>
    <tr style='height:18.75pt'>

        <td  nowrap colspan="5" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:18.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=3>The First Bancorp</font></b></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td  nowrap colspan="5" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:15.0pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><u><i><b><font size=2>Selected Financial Data (Unaudited)</font></b></i></u><i><u></u></i></p> </td> </tr>
    <tr style='height:13.5pt'>

        <td  nowrap colspan="5" valign=bottom style='border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt; height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td> </tr>
    <tr
style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></p> </td>

        <td  nowrap colspan="2" valign=bottom style=' padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>For the six months ended</font></b></p> </td>

        <td  nowrap colspan="2" valign=bottom style=' padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>For the quarters ended</font></b></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i><font size=2>Dollars in thousands, </font></i><i></i></p> </td>

        <td  nowrap colspan="2" valign=bottom style=' padding:0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><u><b><font size=2>June 30</font></b></u><u></u></p> </td>

        <td  nowrap colspan="2" valign=bottom style=' padding:0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><u><b><font size=2>June 30</font></b></u><u></u></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i><font size=2>except for per share amounts</font></i><i></i></p> </td>

        <td width="70" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2008</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>2007</font></p> </td>

        <td width="82" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2008</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>2007</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'></td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'></td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'></td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'></td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'></td> </tr>
    <tr style='height:13.5pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i><b><font size=2>Summary of Operations</font></b></i><i></i></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Interest Income</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$35,844</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$34,450</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$17,514</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$17,502</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Interest Expense</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>18,085</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>19,273</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>8,572</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9,890</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net Interest Income</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>17,759</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>15,177</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>8,942</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7,612</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Provision for Loan Losses</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,439</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>550</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>939</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>250</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Non-Interest Income</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>4,694</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>4,617</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,518</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,470</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Non-Interest Expense</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>10,874</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>10,603</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>5,425</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5,352</font></p> </td> </tr>
    <tr style='height:13.5pt'>

        <td width="252" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net Income</font></p> </td>

        <td width="70" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>7,194</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6,198</font></p> </td>

        <td width="82" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3,603</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,196</font></p> </td> </tr>
    <tr style='height:13.5pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i><b><font size=2>Per Common Share Data</font></b></i><i></i></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Basic Earnings per Share</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$0.74</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.63</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$0.37</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.33</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Diluted Earnings per Share</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.74</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.63</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.37</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.33</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Cash Dividends Declared</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.375</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.335</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.190</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.170</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Book Value</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>11.84</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>11.24</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>11.84</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>11.24</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Tangible Book Value</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>8.99</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8.42</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>8.99</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8.42</font></p> </td> </tr>
    <tr style='height:13.5pt'>

        <td width="252" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Market Value</font></p> </td>

        <td width="70" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>13.65</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>17.00</font></p> </td>

        <td width="82" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>13.65</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>17.00</font></p> </td> </tr>
    <tr style='height:13.5pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i><b><font size=2>Financial Ratios</font></b></i><i></i></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Return on Average Equity (a)</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>12.68%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>11.49%</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>12.63%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>11.72%</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Return on Average Tangible Equity (a)</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>16.76%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>15.41%</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>16.66%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>15.70%</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Return on Average Assets (a)</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1.16%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1.12%</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1.15%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1.13%</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Average Equity to Average Assets</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9.17%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9.72%</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9.13%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9.67%</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Average Tangible Equity to Average Assets</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>6.94%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7.25%</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>6.92%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7.22%</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net Interest Margin Tax-Equivalent (a)</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3.23%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3.12%</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3.21%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3.07%</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Dividend Payout Ratio</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>50.68%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>53.17%</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>51.35%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>51.52%</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Allowance for Loan Losses/Total Loans</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.82%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.77%</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.82%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.77%</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Non-Performing Loans to Total Loans</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.40%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.24%</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.40%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.24%</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Non-Performing Assets to Total Assets</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.29%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.18%</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.29%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.18%</font></p> </td> </tr>
    <tr style='height:13.5pt'>

        <td width="252" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Efficiency Ratio</font></p> </td>

        <td width="70" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>45.97%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>50.79%</font></p> </td>

        <td width="82" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>45.02%</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>50.41%</font></p> </td> </tr>
    <tr style='height:13.5pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i><b><font size=2>At  Period End</font></b></i><i></i></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total Assets</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$1,285,373</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$1,161,274</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$1,285,373</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$1,161,274</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total Loans</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>951,814</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>877,220</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>951,814</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>877,220</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total Investment Securities</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>246,378</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>200,170</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>246,378</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>200,170</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total Deposits</font></p> </td>

        <td width="70" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>842,120</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>851,089</font></p> </td>

        <td width="82" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>842,120</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>851,089</font></p> </td> </tr>
    <tr style='height:13.5pt'>

        <td width="252" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total Shareholders&#146; Equity</font></p> </td>

        <td width="70" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>114,758</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>110,213</font></p> </td>

        <td width="82" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>114,758</font></b></p> </td>

        <td width="85" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>110,213</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td  nowrap colspan="5" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.75pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i><font size=2>(a) Annualized using a 365-day basis</font></i><i></i></p> </td> </tr></table>
</div>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>&nbsp;</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:center;'><font size=2>-30-</font></p>

<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>


<p style=' margin-bottom:0pt; margin-top:0pt;text-align:left;'><font size=2>&nbsp;</font></p>



</BODY>
</HTML>

</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
