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<SEC-DOCUMENT>0000765207-08-000015.txt : 20081023
<SEC-HEADER>0000765207-08-000015.hdr.sgml : 20081023
<ACCEPTANCE-DATETIME>20081022174142
ACCESSION NUMBER:		0000765207-08-000015
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20080930
ITEM INFORMATION:		Results of Operations and Financial Condition
FILED AS OF DATE:		20081023
DATE AS OF CHANGE:		20081022

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:		081135878

	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>
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<TYPE>8-K
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<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): October 22, 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>

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<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>


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


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


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


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<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>

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<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>
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<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>

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<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 October 22, 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 September 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 October 22, 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>

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<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: October 22, 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>

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<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>


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<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>

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


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<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>

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<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 October 22, 2008.</font></p> </td> </tr></table>
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<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>


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

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;'><b>The First Bancorp Reports Record Results, Up 15.3% 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, October 22 &#150; The First Bancorp (Nasdaq: FNLC), today announced unaudited results for the first nine months of 2008, with earnings per share on a fully diluted basis of $1.13, up $0.15 or 15.3% from the $0.98 reported for the first nine months of 2007. Net income for the nine-month period was $11.0 million, an increase of $1.4 million or 14.7% from the $9.6 million posted for the same period in 2007. </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 quarter ended September 30, 2008, with earnings per share on a fully diluted basis of $0.39, up $0.04 or 11.4% from the $0.35 reported for the third quarter of 2007, and up $0.02 or 5.4% from the previous quarter. Net income for the quarter ended September 30, 2008, was $3.8 million, an increase of $417,000 or 12.2% from the third quarter of 2007 and up $228,000 or 6.3% from the previous quarter. </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 record quarter for The First Bancorp and its banking subsidiary, The First, N.A.,&#148; observed President &amp; Chief Executive Officer Daniel R. Daigneault. &#147;The growth in earnings was due primarily to increased net interest income &#150; up $4.0 million or 17.3% for the first nine months of 2008 compared to the same period in 2007. This was, in part, the result of good growth in earning assets, with the loan portfolio up $40.7 million or 4.4% and the investment portfolio up $39.2 million or 17.7% year-to-date. At the same time, lower interest rates led to an improved net interest margin on a tax-equivalent basis of 3.27% for the first nine months of 2008 compared to 3.11% for the same period in 2007. </font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;With excellent earnings performance, we continued to increase the provision to the allowance for loan losses,&#148; President Daigneault observed. &#147;Year-to-date, we have provisioned $2.3 million &#150; $1.5 million more than in the first nine months of 2007. As a result, the allowance for loan losses has increased $1.5 million since year end and stands at 0.86% of loans outstanding, a healthy increase from 0.74% of loans outstanding at December 31, 2007. </font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;While the weakness in the national economy has not hit coastal Maine as hard as many other parts of the country, we nevertheless have seen an increase in the level of past-due and non-performing loans,&#148; President Daigneault observed. &#147;At this point, this has not translated into a significantly higher level of losses, with net chargeoffs of only $811,000 for the first nine months of 2008 &#150; low, in our opinion, at 0.086% of average loans outstanding year-to-date. We feel it is </font></p>

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<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>prudent, however, to continue to increase the allowance for loan losses given the number of economic uncertainties at this time.</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt; text-indent:0.06in;text-align:left;line-height: 150%;'><font size=2> &#147;As I noted last quarter, we continue to be conservative in our loan underwriting and security selection,&#148; President Daigneault went on. &#147;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. That being said, we are still making loans to qualified borrowers and continue to have adequate sources of funding to make these loans. 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 weakness in the global banking system, capital adequacy of banks is a major issue right now,&#148; noted F. Stephen Ward, the Company&#146;s Treasurer and Chief Financial Officer. &#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 September 30, 2008, the Bank&#146;s actual capital ratios were 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;Remaining well-capitalized is of obvious importance for The First Bancorp,&#148; Mr. Ward continued, &#147;however at the same time we seek to produce a healthy return on our capital for our shareholders. Year-to-date, for the Company&#146;s return on average tangible equity is 16.63%, up from the 15.71% posted for the first nine months of 2007. Based upon June 30, 2008 data, the Bank&#146;s return on average equity was 17.04%, which placed it in the top 12% of all banks in its peer group which had an average return of only 8.56%.&#148;</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt; text-indent:0.06in;text-align:left;line-height: 150%;'><font size=2> &#147;Our efficiency ratio continues to be an important component in our overall performance,&#148; Mr. Ward noted. &#147;We have traditionally had a lower net interest margin compared to peers since our earning assets are weighted to lower-yielding mortgage loans and our funding mix has a proportionally greater amount of higher-cost certificates of deposit. In order to consistently produce above-peer earnings, we are focused on controlling expenses and operating efficiently. Year-to-date, our efficiency ratio is 46.8% compared to 51.0% for the same period last year and 61.1% for the Bank&#146;s peer group as of June 30, 2008. This is driven by controlled operating expenses which, at $17.2 million year-to-date, are just 3.5% above the first nine months of 2007. </font></p>

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

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<p style=' margin-bottom:0pt; margin-top:6pt;text-align:left;line-height: 150%;'><font size=2>&#147;With our strong earnings performance, the Company raised its cash dividend again in the third quarter from $0.19 to $0.195 per share,&#148; Mr. Ward said, &#147;and we have now raised our cash dividend for 15 consecutive years and for 52 consecutive quarters. At an annual rate of $0.78 per share, this results in a dividend yield of 3.98% based on our September 30, 2008 closing price of $19.60 per share &#150; a yield we view as extremely attractive given the returns available on fixed-income investments in the current low rate environment.&#148;</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 quarter,&#148; President Daigneault stated, &#147;much of which is due to our addition to the Russell 2000 and Russell 3000 indices in June. We closed at $19.60 per share on September 30, 2008, up 43.6% for the quarter and 33.9% for the year. This compares very favorably to other companies in our industry, as measured by the KBW Regional Bank Index, which is down 5.8% for the year. Our stock also fared well compared to the broad market, as measured by the S&amp;P 500, which has declined 20.6% for the year, as well as the Russell 2000 index, which has declined 11.3% for the year.</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;With another quarter of record earnings, I believe we&#146;re doing better than most banks,&#148; President Daigneault concluded. &#147;Low interest rates have been good for The First Bancorp and have led to higher net interest income and earnings per share. Our price per share is up nicely this year and compares well to our industry and broader market indices. We remain well-capitalized, which is an important concern for all banks today, and our overall credit quality remains good. And while there is much uncertainty on what lies ahead for the U.S. economy, we feel that our conservative approach to banking, while at the same time focusing on exceptional customer service, will, in the long run, serve The First Bancorp very well.&#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 </font></p>

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<p style=' margin-bottom:7pt; margin-top:7pt;text-align:left;line-height: 150%;'><font size=2>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>

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<table border="0" cellspacing=0 cellpadding=0 width="615" style='margin-left:5.4pt;border-collapse:collapse; '>
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        <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="309" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:7.5pt'></td>

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width="106" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:7.5pt'></td> </tr>
    <tr style='height:12.95pt'>

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<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="104" 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>September 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="106" 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>September 30,</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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="106" 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="309" 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="104" 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="106" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'></td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>$21,667</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="106" 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>$27,339</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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="106" 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="309" 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="104" 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>35,306</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="106" 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>44,430</font></p> </td> </tr>
    <tr style='height:38.25pt'>

        <td width="309" 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 $219,483 at September 30, 2008, $181,132 at December 31, 2007 and $171,645 at September 30, 2007)</font></p> </td>

        <td width="104" 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>225,751</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="106" 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>175,425</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="309" 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="104" 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>1,203</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="106" 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>1,313</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>960,897</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="106" 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>891,675</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>8,303</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="106" 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="309" 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>Net loans</font></p> </td>

        <td width="104" 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>952,594</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>913,364</font></p> </td>

        <td width="106" 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>884,961</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>6,785</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="106" 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>7,360</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>16,301</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="106" 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>15,526</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>2,168</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="106" 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="309" 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="104" 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="106" 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="309" 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="104" 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>21,698</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="106" 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>17,916</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>$1,311,157</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="106" 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>$1,202,579</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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="106" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'></td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>$73,646</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="106" 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>$72,597</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>110,365</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="106" 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>110,051</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>123,156</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="106" 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>114,620</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>85,230</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="106" 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>91,708</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>415,167</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="106" 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>311,773</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>111,292</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="106" 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>110,646</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>918,856</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="106" 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>811,395</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>264,617</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="106" 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>267,011</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>11,812</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="106" 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>12,068</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>1,195,285</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="106" 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>1,090,474</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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="106" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'></td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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="106" 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="309" 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="104" 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>43,995</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="106" 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>45,926</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>72,939</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="106" 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>65,911</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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 on securities available-for-sale</font></p> </td>

        <td width="104" 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>(899)</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="106" 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>507</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="309" 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="104" 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>(260)</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="106" 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>(337)</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>115,872</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="106" 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>112,105</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>$1,311,157</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="106" 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>$1,202,579</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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="106" 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="309" 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="104" 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="106" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:12.95pt'></td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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="106" 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="309" 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="104" 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>9,689,711</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="106" 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>9,810,329</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>$11.96</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="106" 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>$11.43</font></p> </td> </tr>
    <tr style='height:12.95pt'>

        <td width="309" 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="104" 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>$9.10</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="106" 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>$8.61</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 nine 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>September 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>September 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: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>$44,219</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>$44,959</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>$14,570</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>$15,554</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>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: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>9,516</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>8,030</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>3,321</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>2,984</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>53,735</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>52,989</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>17,891</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>18,538</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: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>18,041</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>22,661</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>5,692</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>7,792</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>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>8,312</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>6,994</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>2,576</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>2,589</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>26,353</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>29,655</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>8,268</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>10,381</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>27,382</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>23,334</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>9,623</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>8,157</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>2,314</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>850</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>875</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>300</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>25,068</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>22,484</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>8,748</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>7,857</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: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>1,138</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>1,345</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>358</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>389</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>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>2,191</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>2,059</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>703</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>659</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 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>39</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>39</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: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>370</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>378</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>154</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>164</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>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>3,844</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>3,821</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>1,634</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>1,773</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>7,582</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>7,603</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>2,888</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>2,985</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: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>8,625</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>8,153</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>2,945</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>2,819</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>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>1,150</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>1,089</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>376</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>341</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>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>1,508</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>1,456</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>566</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>487</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>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>213</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>213</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: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>5,695</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>5,691</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>2,359</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>2,282</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>17,191</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>16,602</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>6,317</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>6,000</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>15,459</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>13,485</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>5,319</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>4,842</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>4,434</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>3,872</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>1,428</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>$ 11,025 </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>$ 9,613 </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>$ 3,831 </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>$ 3,414 </font></p> </td> </tr>
    <tr style='height:15.0pt'>

        <td width="293" 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:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font><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:15.0pt'>
<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="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:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</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:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</font></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:left;margin-top:0pt;margin-bottom:0pt'><font size=2>&nbsp;</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>$1.14 </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>$0.98 </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>$0.40 </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>$0.35 </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>$1.13 </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>$0.98 </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>$0.39 </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>$0.35 </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>$0.570 </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>0.510 </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>$0.195 </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>0.175 </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>9,703,901 </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>9,792,944 </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>9,689,053 </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>9,807,680 </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>20,103 </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>26,097 </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>21,290 </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>25,522 </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="606" 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="258" 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 nine 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="258" 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>September 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>September 30</font></b></u><u></u></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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="90" 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="90" 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="90" 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:13.5pt'>

        <td width="258" 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="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>$53,735</font></b></p> </td>

        <td width="90" 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>$52,989</font></p> </td>

        <td width="90" 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>$17,891</font></b></p> </td>

        <td width="90" 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>$18,538</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>26,353</font></b></p> </td>

        <td width="90" 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>29,655</font></p> </td>

        <td width="90" 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>8,268</font></b></p> </td>

        <td width="90" 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>10,381</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>27,382</font></b></p> </td>

        <td width="90" 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>23,334</font></p> </td>

        <td width="90" 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>9,623</font></b></p> </td>

        <td width="90" 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>8,157</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>2,314</font></b></p> </td>

        <td width="90" 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>850</font></p> </td>

        <td width="90" 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>875</font></b></p> </td>

        <td width="90" 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>300</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>7,582</font></b></p> </td>

        <td width="90" 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>7,603</font></p> </td>

        <td width="90" 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>2,888</font></b></p> </td>

        <td width="90" 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>2,985</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>17,191</font></b></p> </td>

        <td width="90" 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>16,602</font></p> </td>

        <td width="90" 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>6,317</font></b></p> </td>

        <td width="90" 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>6,000</font></p> </td> </tr>
    <tr style='height:13.5pt'>

        <td width="258" 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="78" 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>11,025</font></b></p> </td>

        <td width="90" 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>9,613</font></p> </td>

        <td width="90" 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>3,831</font></b></p> </td>

        <td width="90" 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>3,414</font></p> </td> </tr>
    <tr style='height:13.5pt'>

        <td width="258" 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="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>$1.14</font></b></p> </td>

        <td width="90" 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>$0.98</font></p> </td>

        <td width="90" 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="90" 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>$0.35</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>1.13</font></b></p> </td>

        <td width="90" 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>0.98</font></p> </td>

        <td width="90" 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>0.39</font></b></p> </td>

        <td width="90" 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>0.35</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>0.570</font></b></p> </td>

        <td width="90" 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>0.510</font></p> </td>

        <td width="90" 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>0.195</font></b></p> </td>

        <td width="90" 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>0.175</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>11.96</font></b></p> </td>

        <td width="90" 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>11.43</font></p> </td>

        <td width="90" 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>11.96</font></b></p> </td>

        <td width="90" 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>11.43</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>9.10</font></b></p> </td>

        <td width="90" 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>8.61</font></p> </td>

        <td width="90" 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>9.10</font></b></p> </td>

        <td width="90" 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>8.61</font></p> </td> </tr>
    <tr style='height:13.5pt'>

        <td width="258" 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="78" 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>19.60</font></b></p> </td>

        <td width="90" 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>15.08</font></p> </td>

        <td width="90" 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>19.60</font></b></p> </td>

        <td width="90" 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>15.08</font></p> </td> </tr>
    <tr style='height:13.5pt'>

        <td width="258" 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="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>12.67%</font></b></p> </td>

        <td width="90" 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>11.74%</font></p> </td>

        <td width="90" 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>12.98%</font></b></p> </td>

        <td width="90" 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>12.22%</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>16.63%</font></b></p> </td>

        <td width="90" 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>15.71%</font></p> </td>

        <td width="90" 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>16.94%</font></b></p> </td>

        <td width="90" 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>16.29%</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>1.17%</font></b></p> </td>

        <td width="90" 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>

        <td width="90" 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>1.17%</font></b></p> </td>

        <td width="90" 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>1.15%</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>9.19%</font></b></p> </td>

        <td width="90" 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>9.60%</font></p> </td>

        <td width="90" 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>9.02%</font></b></p> </td>

        <td width="90" 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>9.38%</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>7.01%</font></b></p> </td>

        <td width="90" 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>7.17%</font></p> </td>

        <td width="90" 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>6.91%</font></b></p> </td>

        <td width="90" 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>7.03%</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>3.27%</font></b></p> </td>

        <td width="90" 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>3.11%</font></p> </td>

        <td width="90" 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>3.31%</font></b></p> </td>

        <td width="90" 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>3.11%</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>50.00%</font></b></p> </td>

        <td width="90" 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>52.04%</font></p> </td>

        <td width="90" 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>48.75%</font></b></p> </td>

        <td width="90" 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>50.00%</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>0.86%</font></b></p> </td>

        <td width="90" 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>0.75%</font></p> </td>

        <td width="90" 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>0.86%</font></b></p> </td>

        <td width="90" 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>0.75%</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>0.78%</font></b></p> </td>

        <td width="90" 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>0.20%</font></p> </td>

        <td width="90" 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>0.78%</font></b></p> </td>

        <td width="90" 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>0.20%</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>0.57%</font></b></p> </td>

        <td width="90" 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>0.15%</font></p> </td>

        <td width="90" 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>0.57%</font></b></p> </td>

        <td width="90" 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>0.15%</font></p> </td> </tr>
    <tr style='height:13.5pt'>

        <td width="258" 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="78" 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>46.78%</font></b></p> </td>

        <td width="90" 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>50.96%</font></p> </td>

        <td width="90" 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>48.23%</font></b></p> </td>

        <td width="90" 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>51.28%</font></p> </td> </tr>
    <tr style='height:13.5pt'>

        <td width="258" 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="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.5pt'></td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>$1,311,157</font></b></p> </td>

        <td width="90" 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>$1,202,579</font></p> </td>

        <td width="90" 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>$1,311,157</font></b></p> </td>

        <td width="90" 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>$1,202,579</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>960,897</font></b></p> </td>

        <td width="90" 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>891,675</font></p> </td>

        <td width="90" 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>960,897</font></b></p> </td>

        <td width="90" 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>891,675</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>261,057</font></b></p> </td>

        <td width="90" 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>219,855</font></p> </td>

        <td width="90" 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>261,057</font></b></p> </td>

        <td width="90" 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>219,855</font></p> </td> </tr>
    <tr style='height:12.75pt'>

        <td width="258" 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="78" 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>918,856</font></b></p> </td>

        <td width="90" 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>811,395</font></p> </td>

        <td width="90" 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>918,856</font></b></p> </td>

        <td width="90" 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>811,395</font></p> </td> </tr>
    <tr style='height:13.5pt'>

        <td width="258" 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="78" 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>115,872</font></b></p> </td>

        <td width="90" 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>112,105</font></p> </td>

        <td width="90" 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>115,872</font></b></p> </td>

        <td width="90" 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>112,105</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>
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<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:left;'><font size=2>&nbsp;</font></p>


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



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