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<SEC-DOCUMENT>0000765207-09-000011.txt : 20090422
<SEC-HEADER>0000765207-09-000011.hdr.sgml : 20090422
<ACCEPTANCE-DATETIME>20090422161802
ACCESSION NUMBER:		0000765207-09-000011
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20090331
ITEM INFORMATION:		Results of Operations and Financial Condition
FILED AS OF DATE:		20090422
DATE AS OF CHANGE:		20090422

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:		09764047

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

	MAIL ADDRESS:	
		STREET 1:		P.O. BOX 940
		CITY:			DAMARISCOTTA
		STATE:			ME
		ZIP:			04543
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
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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): April 22, 2009</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 April 22, 2009, 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 March 31, 2009.</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 April 22, 2009.</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: April 22, 2009</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 April 22, 2009.</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:5pt; margin-top:5pt;text-align:left;'><b><font size=2>Exhibit 99.1</font></b></p>

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

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;'><b>The First Bancorp Reports First Quarter Results, Up 3.8% Over 2008</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, April 22 &#150; The First Bancorp (Nasdaq: FNLC), today announced unaudited results for the quarter ended March 31, 2009, with net income of $3.7 million, an increase of $137,000 or 3.8% from the first quarter of 2008 and up $720,000 or 23.9% from the previous quarter. This was the second highest quarterly income posted by the Company. Earnings per share on a fully diluted basis were $0.37 for the quarter ended March 31, 2009, even with the first quarter of 2008 and up $0.06 or 19.4% 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;Net interest income was again the driver for our strong quarterly performance, up $2.3 million or 25.6% over the first quarter of 2008,&#148; noted Daniel R. Daigneault, the Company&#146;s President &amp; Chief Executive Officer. &#147;With a declining interest rate environment over the past year, income from earning assets in the first quarter declined by 9.3% compared to the first quarter of 2008 while funding costs declined 41.7% during the same period. As a result, we saw our net interest margin widen from 3.24% in the first quarter of 2008 to 3.68% in the first quarter of 2009.</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;During the first quarter we saw earning assets grow by $72.7 million or 5.8%,&#148; President Daigneault observed. &#147;The majority of this growth was in the Company&#146;s investment portfolio which was up $61.3 million or 23.3%, with the purchase of GNMA mortgage-backed securities. At the same time, the Company&#146;s loan portfolio increased $10.7 million or 1.1% during the quarter. While commercial and municipal loans posted strong growth in the quarter, mortgage loans declined as a result of borrowers refinancing at lower rates with these loans being sold to the secondary market. </font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;Our growth this quarter was funded primarily with deposits as well as the issuance of preferred stock,&#148; President Daigneault continued. &#147;Certificates of deposit &#150; from both local and national market sources &#150; were up $92.6 million or 17.2%, while other deposits were down $30.9 million. We also added $25.0 million in preferred stock in the first quarter as a result of our participation in the U.S. Treasury Capital Purchase Program. </font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;With the economy continuing to weaken, we increased our allowance for loan losses by $1.0 million in the first quarter&#148; President Daigneault said. &#147;Net chargeoffs were $645,000 compared to </font></p>

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<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>net chargeoffs of $92,000 in the first quarter of 2008. In comparison to peer, however, our level of chargeoffs is quite low at 0.28% of average loans vs. our peer group&#146;s 0.75% as of December 31, 2008, the latest peer data available. Our level of non-performing loans stood at 1.32% on March 31, 2009 compared to 1.27% of total loans on December 31, 2008 and 0.33% of total loans on March 31, 2008. In comparison, our peer group&#146;s non-performing loans stood at 2.30% as of December 31, 2008. </font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;On the past due front, the level of delinquent loans remained virtually level during the first quarter of 2009,&#148; President Daigneault added. &#147;Overall, our balance sheet remains sound, and I feel this performance is demonstrative of The First&#146;s conservative approach to loan underwriting. We have not traded quality for higher levels of asset growth, and most importantly, we have not originated sub-prime mortgages. In my view, this is one of the factors that will enable us to weather the current economic storm better than most banks.&#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;During the first quarter we took an after-tax charge of $596,000 for other-than-temporary impairment related to one automotive company holding in the investment portfolio,&#148; observed F. Stephen Ward, The First Bancorp&#146;s Chief Financial Officer. &#147;In the past six months, we sold most of our corporate securities to reduce the level of credit risk in the investment portfolio. As of March 31, 2009, corporate securities totaled only $3.1 million, of which $1.5 million is rated sub-investment grade. These securities are less than 0.5% of the Company&#146;s $323.8 million investment portfolio and had an after-tax unrealized loss of $70,000 as of March 31, 2009. In Management&#146;s opinion, no additional writedown for other-than-temporary impairment is warranted for these sub-investment-grade securities. </font></p>

<p style=' margin-bottom:5pt; margin-top:5pt; text-indent:0.06in;text-align:left;line-height: 150%;'><font size=2> &#147;Capital levels are increasingly important for every bank,&#148; CFO Ward stated. &#147;We continue to be considered well-capitalized by FDIC standards, and on January 9, 2009 we added an additional $25.0 million to capital with a preferred stock investment from the U.S. Treasury under its Capital Purchase Program. As a result, our total risk-based capital is nearly 14.0%, well above the well-capitalized threshold of 10.0% set by the FDIC. Higher levels of capital give the Company greater ability to ride out the current economic storm, especially if conditions worsen, and also provide greater ability to work with individuals and businesses as they also struggle through these adverse economic conditions.</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>&#147;Our operating ratios continue to be very strong,&#148; CFO Ward noted. &#147;Our return on average tangible common equity was 16.43% for the quarter; in comparison, the Bank&#146;s return on average </font></p>

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<p style=' margin-bottom:5pt; margin-top:5pt;text-align:left;line-height: 150%;'><font size=2>equity was in the top 9% of all banks in our peer group, which had an average return of only 2.96% as of December 31, 2008. Our efficiency ratio continues to improve and stood at 40.12% for the first quarter compared to 46.97% for the first quarter of 2008 and 42.53% for the prior quarter. Once again, this was the result of the significant increase in net interest income while operating expense increased only modestly. As of December 31, 2008, the average efficiency ratio for our peer group was 66.18%.&#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 price per share closed the quarter at $15.86,&#148; President Daigneault observed. &#147;While this is below the December 31, 2008 closing price of $19.89 per share, it is well above the 52-week low of $10.77 per share set during the quarter. Our stock price was certainly affected by the precipitous drop in the overall market during the first quarter and has been much more volatile since our addition to the Russell 2000 and Russell 3000 indices in June of 2008.</font></p>

<p style=' margin-bottom:5pt; margin-top:5pt; text-indent:0.06in;text-align:left;line-height: 150%;'><font size=2> &#147;Overall, this was very good quarter for The First Bancorp,&#148; President Daigneault concluded. &#147;We continued to benefit from declining interest rates, and when combined with growth in earning assets, these led to higher net interest income. Our net income for the quarter was the second highest ever for the Company, and this was after $1.7 million in after-tax costs for the provision to the allowance for loan losses and an impairment charge for investments. Despite some deterioration in asset quality, our balance sheet remains sound and we feel that our conservative approach to banking is serving us well in these challenging economic times. And finally, we remain well-capitalized, which is an important concern for all banks today.&#148;</font></p>

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

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

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<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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<div align=left>

<table border="0" cellspacing=0 cellpadding=0 width="631" 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:12.75pt'>

        <td  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: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="251" valign=top style='padding:0in 5.4pt 0in 5.4pt; height:7.5pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i>&nbsp;</i></p> </td>

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

        <td width="90" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:7.5pt'></td>

        <td  colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:7.5pt'></td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" 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:13.2pt'>
<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="90" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3/31/2009</font></b></p> </td>

        <td width="120" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>12/31/2008</font></p> </td>

        <td width="91" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>3/31/2008</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$15,815</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$16,856</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$15,837</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>26,584</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>27,765</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>40,578</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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 $291,271 at March 31, 2009, $229,460 at December 31, 2008 and $193,416 at March 31, 2008)</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>297,215</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>234,767</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>192,300</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Loans held for sale</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,949</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,298</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,281</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>990,014</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>979,273</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>933,814</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9,805</font></b></p> </td>

        <td width="120" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8,800</font></p> </td>

        <td width="91" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7,208</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net loans</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>980,209</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>970,473</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>926,606</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>7,077</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5,783</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>7,273</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>18,860</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>16,028</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>16,250</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,652</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,428</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,558</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>20,455</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>22,662</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>17,841</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td  nowrap colspan="2" 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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Total assets</font></b></p> </td>

        <td width="90" 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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$1,398,500</font></b></p> </td>

        <td width="120" 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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$1,325,744</font></p> </td>

        <td width="91" 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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$1,248,208</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$56,162</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$68,399</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$57,008</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>103,711</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>108,188</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>96,226</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>111,904</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>129,333</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>127,360</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>86,130</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>82,867</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>86,247</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Certificates of deposit under $100,000</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>246,464</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>246,152</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>329,833</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>383,069</font></b></p> </td>

        <td width="120" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>290,797</font></p> </td>

        <td width="91" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>129,803</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>987,440</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>925,736</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>826,477</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>254,124</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>272,074</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>295,253</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>12,336</font></b></p> </td>

        <td width="120" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>10,753</font></p> </td>

        <td width="91" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>12,867</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total Liabilities</font></p> </td>

        <td width="90" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,253,900</font></b></p> </td>

        <td width="120" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,208,563</font></p> </td>

        <td width="91" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,134,597</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Preferred stock</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>25,000</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>97</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>44,356</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>44,117</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>44,309</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>75,741</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>74,057</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>69,234</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net unrealized gains (loss) on securities available-for-sale</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>(328)</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>(819)</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>240</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>(266)</font></b></p> </td>

        <td width="120" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>(271)</font></p> </td>

        <td width="91" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>(269)</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Total shareholders' equity</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>144,600</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>117,181</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>113,611</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td  nowrap colspan="2" 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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><b><font size=2>Total liabilities &amp; shareholders' equity</font></b></p> </td>

        <td width="90" 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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$1,398,500</font></b></p> </td>

        <td width="120" 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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$1,325,744</font></p> </td>

        <td width="91" 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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$1,248,208</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9,711,805</font></b></p> </td>

        <td width="120" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9,696,397</font></p> </td>

        <td width="91" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9,706,784</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$12.31</font></b></p> </td>

        <td width="120" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$12.09</font></p> </td>

        <td width="91" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$11.70</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="2" valign=bottom style='border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$  9.46</font></b></p> </td>

        <td width="120" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$9.23</font></p> </td>

        <td width="91" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$8.85</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="624" style='margin-left:5.4pt;border-collapse:collapse; '>
    <tr style='height:18.75pt'>

        <td  colspan="8" 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="8" 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:.2in'>

        <td width="15" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:.2in'></td>

        <td width="15" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:.2in'></td>

        <td width="246" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:.2in'></td>

        <td width="40"
valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:.2in'></td>

        <td  colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:.2in'></td>

        <td style='border-bottom:solid black 1.0pt; '  colspan="2">
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=1>&nbsp;</font></td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style=' border-top:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="3" valign=bottom style='border-top:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>For the three months ended</font></b></p> </td>

        <td  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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:13.2pt'>

        <td  colspan="3" valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3/31/2009</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>3/31/2008</font></p> </td>

        <td width="90" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3/31/2009</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>3/31/2008</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$12,927</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$15,292</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$12,927</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$15,292</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3,691</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,038</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3,691</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,038</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" 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:13.2pt'>
<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  nowrap colspan="2" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>16,618</font></b></p> </td>

        <td width="78" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>18,330</font></p> </td>

        <td width="90" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>16,618</font></b></p> </td>

        <td width="84" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>18,330</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3,645</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6,439</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3,645</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6,439</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,900</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,074</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,900</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,074</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" 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:13.2pt'>
<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  nowrap colspan="2" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>5,545</font></b></p> </td>

        <td width="78" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9,513</font></p> </td>

        <td width="90" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>5,545</font></b></p> </td>

        <td width="84" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9,513</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>11,073</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8,817</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>11,073</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8,817</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,650</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>500</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,650</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>500</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" 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:13.2pt'>
<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  nowrap colspan="2" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9,423</font></b></p> </td>

        <td width="78" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8,317</font></p> </td>

        <td width="90" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9,423</font></b></p> </td>

        <td width="84" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8,317</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>325</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>390</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>325</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>390</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>558</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>682</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>558</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>682</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>681</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>94</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>681</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>94</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,022</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,010</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,022</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,010</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" 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:13.2pt'>
<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  nowrap colspan="2" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,595</font></b></p> </td>

        <td width="78" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,176</font></p> </td>

        <td width="90" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,595</font></b></p> </td>

        <td width="84" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,176</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,589</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,925</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,589</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,925</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>441</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>411</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>441</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>411</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>569</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>490</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>569</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>490</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net securities losses</font></p> </td>

        <td  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>151</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>151</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Other than temporary impairment charge</font></p> </td>

        <td  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>916</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>916</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>71</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,059</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,552</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,059</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,552</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" 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:13.2pt'>
<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  nowrap colspan="2" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>6,796</font></b></p> </td>

        <td width="78" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5,449</font></p> </td>

        <td width="90" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>6,796</font></b></p> </td>

        <td width="84" 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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5,449</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>5,222</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5,044</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>5,222</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5,044</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,494</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,453</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,494</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1,453</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td  colspan="3" 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:13.8pt'>
<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  nowrap colspan="2" 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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$3,728</font></b></p> </td>

        <td width="78" 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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$3,591</font></p> </td>

        <td width="90" 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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$3,728</font></b></p> </td>

        <td width="84" 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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$3,591</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Less dividends and amortization of premium on preferred stock</font></p> </td>

        <td  nowrap colspan="2" valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>150</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="90" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>150</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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:13.2pt'>

        <td  colspan="3" valign=bottom style=' border-bottom:solid black 1.5pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Net income available to common shareholders</font></p> </td>

        <td  nowrap colspan="2" valign=bottom style=' border-bottom:solid black 1.5pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$3,578</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='border-bottom: solid black 1.5pt;padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$3,591</font></p> </td>

        <td width="90" nowrap valign=bottom style='border-bottom: solid black 1.5pt;padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$3,578</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='border-bottom: solid black 1.5pt;padding: 0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$3,591</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style=' padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style=' padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$0.37</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.37</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$0.37</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.37</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$0.37</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.37</font></p> </td>

        <td width="90" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$0.37</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.37</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9,705,783</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9,718,846</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9,705,783</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9,718,846</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>16,536</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>18,260</font></p> </td>

        <td width="90" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>16,536</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>18,260</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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  nowrap colspan="2" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="78" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.185</font></p> </td>

        <td width="90" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="84" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.185</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  colspan="3" valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Payout Ratio</font></p> </td>

        <td  nowrap colspan="2" valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>52.70%</font></b></p> </td>

        <td width="78" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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>

        <td width="90" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>52.70%</font></b></p> </td>

        <td width="84" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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>

        <td width="15" ></td>

        <td width="15" ></td>

        <td width="246" ></td>

        <td width="40" ></td>

        <td width="56" ></td>

        <td width="78" ></td>

        <td width="90" ></td>

        <td width="84" ></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="624" style='margin-left:5.4pt;border-collapse:collapse; '>
    <tr style='height:17.4pt'>

        <td  nowrap colspan="5" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:17.4pt'>
<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:.2in'>

        <td  nowrap colspan="5" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:.2in'>
<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:13.2pt'>

        <td  nowrap colspan="5" valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td> </tr>
    <tr style='height:13.8pt'>

        <td width="252" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<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="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<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="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<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="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<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="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<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:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><font size=2>Dollars in thousands, </font></p> </td>

        <td  nowrap colspan="2" valign=bottom style=' padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>For the three months ended</font></b></p> </td>

        <td  nowrap colspan="2" valign=bottom style=' padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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:13.2pt'>

        <td width="252" nowrap valign=bottom style=' border-bottom:solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<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="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3/31/2009</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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>3/31/2008</font></p> </td>

        <td width="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt; padding:0in 5.4pt 0in 5.4pt;height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3/31/2009</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:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:center;margin-top:0pt;margin-bottom:0pt'><font size=2>3/31/2008</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'></td> </tr>
    <tr style='height:13.8pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$16,618</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$18,330</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$16,618</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$18,330</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>5,545</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9,513</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>5,545</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9,513</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>11,073</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8,817</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>11,073</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8,817</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,650</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>500</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1,650</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>500</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,595</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,176</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>2,595</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>2,176</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>6,796</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5,449</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>6,796</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>5,449</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="252" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<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="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3,728</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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,591</font></p> </td>

        <td width="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3,728</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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3,591</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$0.37</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.37</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$0.37</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$0.37</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.37</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.37</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.37</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.37</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.185</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.185</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>12.31</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>11.70</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>12.31</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>11.70</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9.46</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8.85</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>9.46</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>8.85</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="252" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<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="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$15.86</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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$15.15</font></p> </td>

        <td width="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$15.86</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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$15.15</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>12.63%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>13.08%</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>12.63%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>13.08%</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>16.43%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>17.47%</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>16.43%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>17.47%</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1.11%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1.18%</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1.11%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>1.18%</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>8.79%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9.00%</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>8.79%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>9.00%</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>6.76%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6.73%</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>6.76%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>6.73%</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3.68%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3.24%</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>3.68%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>3.24%</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>52.70%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>52.70%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.99%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.77%</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>0.99%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.77%</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1.32%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.33%</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1.32%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.33%</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1.23%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.52%</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>1.23%</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>0.52%</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="252" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<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="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>40.12%</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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>46.97%</font></p> </td>

        <td width="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>40.12%</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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>46.97%</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.8pt'></td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$1,398,500</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$1,248,208</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>$1,398,500</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>$1,248,208</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>990,014</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>933,814</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>990,014</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>933,814</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>323,799</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>232,878</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>323,799</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>232,878</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td width="252" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<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="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>987,440</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>826,477</font></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>987,440</font></b></p> </td>

        <td width="96" nowrap valign=bottom style='padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>826,477</font></p> </td> </tr>
    <tr style='height:13.8pt'>

        <td width="252" nowrap valign=bottom style=' border-bottom:solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<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="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>144,601</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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>113,611</font></p> </td>

        <td width="96" nowrap valign=bottom style='border-bottom: solid black 1.0pt;padding:0in 5.4pt 0in 5.4pt;height:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><b><font size=2>144,601</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:13.8pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:right;margin-top:0pt;margin-bottom:0pt'><font size=2>113,611</font></p> </td> </tr>
    <tr style='height:13.2pt'>

        <td  nowrap colspan="5" valign=bottom style=' padding:0in 5.4pt 0in 5.4pt; height:13.2pt'>
<p style='margin-left:0pt;text-indent:0pt;text-align:left;margin-top:0pt;margin-bottom:0pt'><i><font size=2>(a) Annualized using a 365-day basis</font></i><i></i></p> </td> </tr></table>
</div>

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

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