<SEC-DOCUMENT>0000739421-19-000002.txt : 20190125
<SEC-HEADER>0000739421-19-000002.hdr.sgml : 20190125
<ACCEPTANCE-DATETIME>20190125124949
ACCESSION NUMBER:		0000739421-19-000002
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20190125
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20190125
DATE AS OF CHANGE:		20190125

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIZENS FINANCIAL SERVICES INC
		CENTRAL INDEX KEY:			0000739421
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				232265045
		STATE OF INCORPORATION:			PA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-13222
		FILM NUMBER:		19542006

	BUSINESS ADDRESS:	
		STREET 1:		15 S MAIN ST
		CITY:			MANSFIELD
		STATE:			PA
		ZIP:			16933
		BUSINESS PHONE:		570-662-0444

	MAIL ADDRESS:	
		STREET 1:		15 S MAIN ST
		CITY:			MANSFIELD
		STATE:			PA
		ZIP:			16933
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>fourthquarter2018.htm
<DESCRIPTION>FOURTH QUARTER 2018 8-K
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Citizens Financial
         Document created using EDGARfilings PROfile 5.0.0.0
         Copyright 1995 - 2019 Broadridge -->
  </head>
<body style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;" bgcolor="#ffffff" text="#000000">
  <div>
    <div style="text-align: center; line-height: 13.7pt; font-family: 'Times New Roman', serif; font-size: 12pt;">UNITED STATES</div>
    <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">SECURITIES AND EXCHANGE COMMISSION</font></div>
    <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Washington, D.C., 20549</font></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">FORM 8-K</font></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">CURRENT REPORT</font></div>
    <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934</font></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Date of Report (Date of earliest event reported) January 25, 2019</font></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><u>CITIZENS FINANCIAL SERVICES, INC.</u></font></font></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <table id="z4ff2cc3f379d475da5754eb189fd4342" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse;" cellpadding="0" cellspacing="0">

        <tr>
          <td style="width: 23.01%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Pennsylvania</font></div>
          </td>
          <td style="width: 9.45%; vertical-align: top;">&#160;</td>
          <td style="width: 27.33%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">0-13222</font></div>
          </td>
          <td style="width: 10.27%; vertical-align: top;">&#160;</td>
          <td style="width: 29.95%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">23-2265045</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.01%; vertical-align: top; border-top: #000000 2px solid;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(State or other jurisdiction of incorporation)</font></div>
          </td>
          <td style="width: 9.45%; vertical-align: top;">&#160;</td>
          <td style="width: 27.33%; vertical-align: top; border-top: #000000 2px solid;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Commission File Number)</font></div>
          </td>
          <td style="width: 10.27%; vertical-align: top;">&#160;</td>
          <td style="width: 29.95%; vertical-align: top; border-top: #000000 2px solid;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(I.R.S. Employer Identification Number)</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 23.01%; vertical-align: top;">&#160;</td>
          <td style="width: 9.45%; vertical-align: top;">&#160;</td>
          <td style="width: 27.33%; vertical-align: top;">&#160;</td>
          <td style="width: 10.27%; vertical-align: top;">&#160;</td>
          <td style="width: 29.95%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td colspan="3" style="width: 59.78%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">15 South Main Street, Mansfield, PA</font></div>
          </td>
          <td style="width: 10.27%; vertical-align: top;">&#160;</td>
          <td style="width: 29.95%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">16933</font></div>
          </td>
        </tr>
        <tr>
          <td colspan="3" style="width: 59.78%; vertical-align: top; border-top: #000000 2px solid;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Address of Principal Executive Office)</font></div>
          </td>
          <td style="width: 10.27%; vertical-align: top;">&#160;</td>
          <td style="width: 29.95%; vertical-align: top; border-top: #000000 2px solid;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Zip Code)</font></div>
          </td>
        </tr>
        <tr>
          <td colspan="3" style="width: 59.78%; vertical-align: top;">&#160;</td>
          <td style="width: 10.27%; vertical-align: top;">&#160;</td>
          <td style="width: 29.95%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td colspan="3" style="width: 59.78%; vertical-align: top;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Registrant&#8217;s telephone number, including area code:</font></div>
          </td>
          <td style="width: 10.27%; vertical-align: top;">&#160;</td>
          <td style="width: 29.95%; vertical-align: top;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(570) 662-2121</font></div>
          </td>
        </tr>
        <tr>
          <td colspan="3" style="width: 59.78%; vertical-align: top;">&#160;</td>
          <td style="width: 10.27%; vertical-align: top;">&#160;</td>
          <td style="width: 29.95%; vertical-align: top;">&#160;</td>
        </tr>
        <tr>
          <td colspan="5" style="width: 100%; vertical-align: top; border-bottom: #000000 2px solid;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">N/A</font></div>
          </td>
        </tr>
        <tr>
          <td colspan="5" style="width: 100%; vertical-align: top; border-top: #000000 2px solid;">
            <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(Former name or former address, if changes since last report)</font></div>
          </td>
        </tr>

    </table>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: left; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the
        registrant under any of the following provisions (<font style="font-family: 'Times New Roman', serif; font-size: 12pt; font-style: italic;">see</font> General Instruction A.2. below):</font></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <table id="z8f351558c4f74653b5d3bd8d96d107e0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse;" cellpadding="0" cellspacing="0">

        <tr>
          <td style="width: 4.89%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 95.11%; vertical-align: top; border-left: #000000 2px solid;">
            <div style="text-align: left; line-height: 20.5pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 4.89%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 95.11%; vertical-align: top; border-left: #000000 2px solid;">
            <div style="text-align: left; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 4.89%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 95.11%; vertical-align: top; border-left: #000000 2px solid;">
            <div style="text-align: left; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 4.89%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
          <td style="width: 95.11%; vertical-align: top; border-left: #000000 2px solid;">
            <div style="text-align: left; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act&#160; (17 CFR 240.13e-4(c))</font></div>
          </td>
        </tr>

    </table>
    <div style="line-height: 11.4pt;"><br style="line-height: 11.4pt;">
    </div>
    <div style="text-align: left; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933
        (&#167;230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (&#167;240.12b-2 of this chapter).</font></div>
    <table id="z59672d1833ec4f1d8748c32e65a588ac" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse;" cellpadding="0" cellspacing="0">

        <tr>
          <td style="width: 92.29%; vertical-align: top; border-right: #000000 2px solid;">
            <div style="text-align: left; text-indent: 288pt; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Emerging growth company</font></div>
          </td>
          <td style="width: 7.71%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
        </tr>

    </table>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: left; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for
        complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.</font></div>
    <table id="z26be024f28b24e9ba60578f18f52c0e3" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse;" cellpadding="0" cellspacing="0">

        <tr>
          <td style="width: 92.29%; vertical-align: top; border-right: #000000 2px solid;">&#160;</td>
          <td style="width: 7.71%; vertical-align: top; border-left: #000000 2px solid; border-right: #000000 2px solid; border-top: #000000 2px solid; border-bottom: #000000 2px solid;">&#160;</td>
        </tr>

    </table>
    <div style="text-align: justify; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
      </font></div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" noshade="noshade"></div>
    </div>
    <div style="text-align: justify; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><br>
        ITEM 2.02 <font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><u>RESULTS OF OPERATIONS AND FINANCIAL CONDITION.</u></font></font></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: left; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Randall E. Black, Chief&#160;Executive Officer, recently announced the unaudited consolidated financial results from Citizens Financial
        Services, Inc. and Subsidiaries for the fourth quarter 2018.</font></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: left; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">On January 25, 2019, Citizens Financial Services, Inc. issued a press release titled &#8220;Citizens Financial Services, Inc. Reports
        Unaudited Full Year and Fourth Quarter 2018 Financial Results&#8221;, attached as Exhibit 99.1 to this Current Report on Form 8-K and incorporated herein by reference.&#160; The information furnished under Item 2.02 of this Current Report on an 8-K shall not
        be deemed &#8220;filed&#8221; for any purpose.</font></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: justify; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">ITEM 9.01 <font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><u>FINANCIAL STATEMENTS AND EXHIBITS</u></font>.</font></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: justify; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">(d) Exhibits.</font></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <table id="z1b9a0a9d6caa4f2399cc4b1317990cc2" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%; border-collapse: collapse;" cellpadding="0" cellspacing="0">

        <tr>
          <td style="width: 22.43%; vertical-align: top; border-bottom: 2px solid black;">
            <div style="text-align: justify; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Exhibit Number</font></font></div>
          </td>
          <td style="width: 77.57%; vertical-align: top; border-bottom: 2px solid black;">
            <div style="text-align: justify; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Description</font></font></div>
          </td>
        </tr>
        <tr>
          <td style="width: 22.43%; vertical-align: top;">
            <div style="text-align: justify; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">99.1</font></div>
          </td>
          <td style="width: 77.57%; vertical-align: top;">
            <div style="text-align: left; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Press Release issued by Citizens Financial Services, Inc. on January 25, 2019, titled &#8220;Citizens Financial Services, Inc.
                Reports Unaudited Full Year and Fourth Quarter 2018 Financial Results&#8221;.</font></div>
          </td>
        </tr>

    </table>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr style="margin: 4px 0px; width: 100%; border-width: 0; height: 2px; color: #000000; background-color: #000000; clear: both;" noshade="noshade"></div>
    </div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: center; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">SIGNATURES</font></div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="text-align: left; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this Current Report on Form
        8-K to be signed on its behalf by the undersigned, thereunto duly authorized.</font></div>
    <div style="text-align: left; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
      </font></div>
    <div style="text-align: left; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"> <br>
      </font></div>
    <div style="text-align: left; line-height: 13.7pt;"><font style="font-family: 'Times New Roman', serif; font-size: 12pt;"> </font>
      <table style="width: 100%; border-collapse: separate; font-family: 'Times New Roman', Times, serif; font-size: 10pt;" border="0" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 50%; font-size: 12pt;" valign="top">&#160;</td>
            <td colspan="2" style="width: 38%; font-size: 12pt;" valign="top"><strong>CITIZENS FINANCIAL SERVICES, INC.<br>
              </strong></td>
            <td style="width: 12%;" valign="top">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; font-size: 12pt;" valign="top">&#160;</td>
            <td style="width: 3%; font-size: 12pt;" valign="top">&#160;</td>
            <td style="width: 35%; font-size: 12pt;" valign="top">&#160;</td>
            <td style="width: 12%;" valign="top">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; padding-bottom: 2px; font-size: 12pt;" align="left" valign="top">
              <div style="margin-left: 0pt; text-indent: 0pt; margin-right: 0pt;" align="left">January 25, 2019<br>
              </div>
            </td>
            <td style="width: 3%; padding-bottom: 2px; font-size: 12pt;" valign="top">
              <div style="margin-left: 0pt; text-indent: 0pt; margin-right: 0pt;" align="left">By: </div>
            </td>
            <td style="width: 35%; border-bottom: 2px solid rgb(0, 0, 0); font-size: 12pt;" align="left" valign="top">/s/ Mickey L. Jones<br>
            </td>
            <td style="width: 12%; padding-bottom: 2px;" valign="top">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; font-size: 12pt;" valign="top">&#160;</td>
            <td style="width: 3%; font-size: 12pt;" valign="top">&#160;</td>
            <td style="width: 35%; font-size: 12pt;" align="left" valign="bottom">Mickey L. Jones<br>
            </td>
            <td style="width: 12%;" valign="top">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%; font-size: 12pt;" valign="top">&#160;</td>
            <td style="width: 3%; font-size: 12pt;" valign="top">&#160;</td>
            <td style="width: 35%; font-size: 12pt;" valign="top">Chief Operating Officer / Chief Financial Officer<br>
            </td>
            <td style="width: 12%;" valign="top">&#160;</td>
          </tr>
          <tr>
            <td style="width: 50%;" valign="top">&#160;</td>
            <td style="width: 3%;" valign="top">&#160;</td>
            <td style="width: 35%;" valign="top">&#160;</td>
            <td style="width: 12%;" valign="top">&#160;</td>
          </tr>

      </table>
    </div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
    <div style="line-height: 13.7pt;"><br style="line-height: 13.7pt;">
    </div>
  </div>
</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>fourthqtr18pressrelease.htm
<DESCRIPTION>PRESS RELEASE ANNOUNCING FOURTH QUARTER 2018 EARNINGS
<TEXT>
<html>
  <head>
    <title></title>
    <!-- Licensed to: Citizens Financial
         Document created using EDGARfilings PROfile 5.0.0.0
         Copyright 1995 - 2019 Broadridge -->
  </head>
<body style="font-family: 'Times New Roman', Times, serif; font-size: 10pt;" bgcolor="#ffffff" text="#000000">
  <!--PROfilePageNumberReset%Num%1%%%-->
  <div>
    <div style="text-align: left; line-height: 12pt;"><br>
      <font style="text-indent: 0px; font-size: 5.04pt;">&#160;&#160;</font><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-variant: small-caps;">First Citizens Community Bank</font><br>
      <font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-variant: small-caps;"><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font>15 S. Main Street</font></div>
    <div style="text-align: left; line-height: 12pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-variant: small-caps;"><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font>Mansfield, PA
        16933</font></div>
    <div style="text-align: left; line-height: 12pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-variant: small-caps;"> <br>
      </font></div>
    <div style="text-align: left; line-height: 12pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-variant: small-caps;">Contact:&#160; Kathleen Campbell, Marketing Director</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px;
        font-size: 5.04pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: Tahoma, sans-serif; font-size: 11pt;
        font-variant: small-caps;"></font></div>
    <div style="text-align: left; text-indent: 54pt; line-height: 12pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-variant: small-caps;">570-662-0422</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size: 5.05pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</font><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-variant: small-caps;"><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;"> </font><font class="HorizontalTab" style="width: 9pt; font-size: 1px;
          display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px;
          display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px;
          display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px;
          display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px;
          display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font></font></div>
    <div style="text-align: left; text-indent: 54pt; line-height: 12pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-variant: small-caps;">570-662-8512 (fax)</font><font id="TRGRRTFtoHTMLTab" style="text-indent: 0px; font-size:
        5.05pt;">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;<font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display:
          inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display:
          inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display:
          inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display:
          inline-block;">&#160;</font><font class="HorizontalTab" style="width: 9pt; font-size: 1px; display: inline-block;">&#160;</font>&#160;</font></div>
    <div style="line-height: 24pt;"><br style="line-height: 24pt;">
    </div>
    <div style="text-align: left; line-height: 12.55pt; font-family: Tahoma, sans-serif; font-size: 11pt; font-variant: small-caps; font-weight: bold;">citizens financial services, inc. reports unaudited full year and fourth quarter 2018 financial results</div>
    <div style="line-height: 24pt;"><br style="line-height: 24pt;">
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">MANSFIELD, PENNSYLVANIA&#8212; January 25, 2019 &#8211; Citizens Financial Services, Inc. (OTC Pink: CZFS), parent company of First Citizens
        Community Bank, released today its unaudited consolidated financial results for the three months and year ended December 31, 2018.</font></div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-weight: bold;">Highlights</font></div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="z6e4dcc3b7c6c4b3fa2ae050b51bbb885" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">Net income was $18.0 million for 2018, which is 38.5% higher than 2017&#8217;s net income. The increase in net income is due to an
                  increase in net interest income and the effects of the Tax Cuts and Jobs Act, enacted on December 22, 2017, which lowered the federal corporate income tax rate from 35% to 21% effective January 1, 2018. The effective tax rate for 2018 was
                  15.9% compared to 31.6% for 2017. The effective tax rate for 2017 was impacted by a one-time adjustment to our net deferred taxes of $1.5 that was charged to income tax expense as a result of the Tax Cuts and Jobs Act. The effective tax
                  rate for 2017, excluding the adjustment would have been 23.6%.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="z6c920876810243afb8447a6c1780fec4" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">Net income was $4.5 million for the three months ended December 31, 2018, which is 73.4% higher than the net income for
                  2017&#8217;s comparable period. The effective tax rate for the three months ended December 31, 2018 was 15.8% compared to 53.0% in the comparable period in 2017 due to the Tax Cuts and Jobs Act.&#160; If you exclude the one-time adjustment
                  previously mentioned the effective tax rate for the three months ended December 31, 2017 would have been 25.3%.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="zbb9fb923b3ea45b3b44d07a31cef0135" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">Net interest income before the provision for loan losses was $47.2 million for the year ended December 31, 2018, which was an
                  increase of $4.9 million, or 11.7%, compared to 2017.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="zd0f69fcc045d4282853de62b7e12b2b6" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">Net loan growth totaled $79.7 million in 2018, or 8.1%. Growth for 2018 was impacted by the pay-off of approximately $15.0
                  million of participation loans, the proceeds of which were utilized to fund organic growth.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="z2ebe44dc8fec4067967128257264c2ef" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">Return on average equity for the three months (annualized) and the year ended December 31, 2018 was 12.65% and 13.00%,
                  respectively, compared to 7.82% and 10.04% for the three months (annualized) and the year ended December 31, 2017, respectively.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="z859311c31b614e2abbfe0ef01af0e1a4" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">Return on average tangible equity for the three months (annualized) and the year ended December 31, 2018 was 15.33% and
                  15.87%, respectively, compared to 9.49% and 12.22% for the three months (annualized) and the year ended December 31, 2017, respectively. (See reconciliation of GAAP and Non-GAAP measures at the end of the press release.)</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="zc5d9be6b2d384b678fa1f9ad244491d3" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">Return on average assets for the three months (annualized) and the year ended December 31, 2018 was 1.27% and 1.29%,
                  respectively, compared to 0.80% and 1.03% for the three months (annualized and the year ended December 31, 2017, respectively.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">1</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" noshade="noshade"></div>
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-weight: bold;">2018 Compared to 2017</font></div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="z8ccc0abecd3a4d42a5d7392c44ebbb80" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">For 2018, net income totaled $18,034,000 compared to net income of $13,025,000 for 2017, an increase of $5,009,000 or 38.5%.&#160;
                  Basic earnings per share of $5.14 for 2018 compares to $3.70 for 2017.&#160; The Tax Cut and Jobs Act had both a positive impact on 2018&#8217;s financial results and had a detrimental impact on 2017 earnings.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="z7e995fd6ee874430abe17685e204738c" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">Net interest income before the provision for loan loss for 2018 totaled $47,184,000 compared to $42,254,000 for 2017,
                  resulting in an increase of $4,930,000, or 11.7%. Average interest earning assets increased $143.2 million in 2018 compared to last year.&#160; Average loans increased $160.9 million while average investment securities decreased $22.2 million.
                  The tax effected net interest margin for 2018 was 3.66% compared to 3.80% for 2017. A significant portion of the margin decrease from 2017 to 2018 is attributable to the change in the Federal corporate tax rate from 35% to 21%.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="z503ab0bb399946838521559ad339b8a3" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">The provision for loan losses for 2018 was $1,925,000 compared to $2,540,000 for 2017, a decrease of $615,000.&#160; The decreased
                  provision primarily reflects the lower level of loan growth experienced during 2018 compared to 2017.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="z35da87106a3a4cc691479718ea7cf907" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">Total non-interest income was $7,735,000 for 2018, which is $921,000 less than non-interest income of $8,656,000 for 2017.
                  Decreases in security gains as a result of selling the majority of the Company&#8217;s equity investments in 2017 and gains on loans sold were offset by increases in service charge income and brokerage and insurance commissions.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="z8c796f72c42f4302bb36dad430f0fad0" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">Total non-interest expenses for 2018 totaled $31,557,000 compared to $29,314,000 for the same period last year, which is an
                  increase of $2,243,000, or 7.7%.&#160; Salaries and benefits increased $1,439,000 primarily due to merit increases and branch and loan production office expansion in our central and south central market areas. Occupancy expenses increased as a
                  result of branch expansions. Professional fees increased as a result of an increase in legal fees. The tax effected efficiency ratio for 2018 was 55.04% compared to 54.82% for 2017 and was impacted by the change in the Federal corporate
                  tax rate from 35% to 21%.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="za38a7e3426ae4e0dbcd79bd9674ffe04" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">The provision for income taxes decreased $2,628,000 when comparing 2018 to 2017. Of this decrease, $1,531,000 is attributable
                  to the Tax Cuts and Jobs Act and the immediate write-down of deferred tax assets due to the change in the corporate tax rate that occurred in 2017. The remaining decrease is attributable to the lowered Federal corporate tax rate from 35%
                  to 21%.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-weight: bold;">Fourth Quarter of 2018 Compared to the Fourth Quarter of 2017</font></div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="z67c30d583d244d278867f97efeaba50f" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; background-color: rgb(255, 255, 255);">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;"><font style="font-family: Symbol,serif; font-size: 11pt;">&#183;</font></font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">For the three months ended December 31, 2018, net income totaled $4,515,000 which compares to net income of $2,604,000 for
                  the comparable period in 2017, an increase of $1,911,000 or 73.4%. Net income for the fourth quarter of 2017 was significantly impacted by the write-down of net deferred tax assets associated with the Tax Cuts and Jobs Act. Basic earnings
                  per share of $1.29 for three months ended December 31, 2018 compares to $0.74 for the 2017 comparable period. Annualized return on equity for the three months ended December 31, 2018 and 2017 was 12.65% and 7.82%, respectively, while
                  annualized return on assets was 1.27% and 0.80%, respectively.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="ze85ecd6afccb4f24951fdfe36fd1e480" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">Net interest income before the provision for loan loss for the three months ended December 31, 2018 totaled $12,243,000
                  compared to $11,236,000 for the three months ended December 31, 2017, resulting in an increase of $1,007,000, or 9.0%. Average interest earning assets increased $121.6 million for the three months ended December 31, 2018 compared to the
                  same period last year.&#160; Average loans increased $132.8 million while average investment securities decreased $16.9 million. The tax effected net interest margin for the three months ended December 31, 2018 was 3.73% compared to 3.88% for
                  the same period last year, which was impacted by the change in tax rates between periods.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">2</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" noshade="noshade"></div>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="zdca63d942dde44c8a3d4b7f1d2d6bc63" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">The provision for loan losses for the three months ended December 31, 2018 was $625,000 compared to $800,000 for the
                  comparable period in 2017, a decrease of $175,000.&#160; The decreased provision primarily reflects the lower net loan growth experienced during the three months of 2018 compared to the same period in 2017.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="z112bcb4585a846c79ffdc5cd9b3b98fe" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">Total non-interest income was $1,977,000 for the three months ended December 31, 2018, which is $835,000 less than the
                  comparable period last year. Decreases in security gains as a result of selling the majority of the Company&#8217;s equity investments in the fourth quarter of 2017 and gains on loans sold were offset by increases in service charge income and
                  brokerage and insurance commissions.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="z54bddc725bcf420cb481e8164265f26d" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">Total non-interest expenses for the three months ended December 31, 2018 totaled $8,235,000 compared to $7,710,000 for the
                  same period last year, which is an increase of $525,000, or 6.8%.&#160; Salaries and benefits increased $218,000 primarily due to the increased costs associated with merit increases and branch and loan production office expansion. Professional
                  fees increased as a result of an increase in legal fees.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="z3f9e717f71b04f508761d20a6b08743d" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">The provision for income taxes decreased $2,089,000 when comparing the three months ended December 31, 2018 to the same
                  period in 2017.&#160; A portion of the decrease, $1,531,000 is attributable to the Tax Cuts and Jobs Act and the immediate write-down of deferred tax assets due to the change in the Federal corporate tax rate that occurred in the fourth
                  quarter of 2017. The remaining decrease is attributable to the lowered Federal corporate tax rate from 35% to 21%.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-weight: bold;">Balance Sheet and Other Information:</font></div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="zf7e14f0776484432bacf8a1ebeb42ae8" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">At December 31, 2018, total assets were $1.43 billion, compared to $1.36 billion at December 31, 2017. The loan to deposit
                  ratio as of December 31, 2018 was 91.29% compared to 90.55% as of December 31, 2017.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="z3db2859aa9ab40959d9bddfbd6d5ffcf" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">Available for sale securities of $241.0 million at December 31, 2018 decreased $13.8 million from December 31, 2017. Interest
                  bearing time deposits with other banks increased $5.2 million to $15.5 million at December 31, 2018.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="za10ac1bc27f640f99dd5249938dcc326" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">Net loans as of December 31, 2018 totaled $1.07 billion and increased $79.7 million from December 31, 2017, as we continue to
                  benefit from our expansions into the central and southcentral Pennsylvania markets. The growth in 2018 was in commercial, agricultural and constructionrelationships, which continues the trend from 2017.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="z07ab4f8a05b14e5e9ff340e9f7fe31da" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">The allowance for loan losses totaled $12,884,000 at December 30, 2018 which is an increase of $1,694,000 from December 31,
                  2017.&#160; The increase is due to recording a provision for loan losses of $1,925,000 and recoveries of $134,000, offset by charge-offs of $365,000.&#160; Net charge-offs as a percent of total loans for 2018 was .02%.&#160; The allowance as a percent
                  of total loans was 1.19% as of December 31, 2018 compared to 1.12% as of December 31, 2017. For the year, non-performing assets increased $2.5 million.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">3</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" noshade="noshade"></div>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="zd5bef53027fa40039e5d58fea9e1db47" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">Deposits increased $80.2 million from December 31, 2017, to $1.19 billion at December 31, 2018. We issued $20.0 million in
                  brokered certificates of deposit in the third quarter of 2018, which contributed to a portion of the deposit growth. The remaining growth was primarily attributable to increases in municipal and business deposits. Borrowed funds decreased
                  $23.5 million from December 31, 2017 to $91.2 million at December 31, 2018 as a result of the growth in deposits.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div>
      <table class="DSPFListTable" id="z133427d590d14be78a5a1e5ec60d3a34" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 100%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="width: 18pt; vertical-align: top; align: right;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Symbol, serif; font-size: 11pt;">&#183;</font></div>
            </td>
            <td style="width: auto; vertical-align: top;">
              <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">Stockholders&#8217; equity totaled $139.2 million at December 31, 2018, compared to $129.0 million at December 31, 2017, an
                  increase of $10,218,000.&#160; The increase was attributable to net income of $18.0 million for 2016, offset by cash dividends of $6.1 million and net treasury stock activity of $1,029,000.&#160; As a result of changes in interest rates impacting
                  the fair value of investment securities, the unrealized loss on available for sale investment securities, net of tax, increased $706,000 from December 31, 2017.</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-weight: bold;">Dividend Declared</font></div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">On December 4, 2018, the Board of Directors declared a cash dividend of $0.440 per share, which was paid on December 28, 2018 to
        shareholders of record at the close of business on December 14, 2018. The quarterly cash dividend is an increase of 3.3% over the regular cash dividend of $0.426 per share declared one year ago, as adjusted for the 1% stock dividend declared in
        June 2018.</font></div>
    <div style="line-height: 12.55pt;"><br style="line-height: 12.55pt;">
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt;">Citizens Financial Services, Inc. has nearly 1,700 shareholders, the majority of whom reside in markets where its offices are located.</font></div>
    <div style="line-height: 14pt;"><br style="line-height: 14pt;">
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-style: italic;">Note: This press release may contain forward-looking statements as defined in the Private Securities Litigation
        Reform Act of 1995.&#160; These statements are not historical facts; rather, they are statements based on the Company's current expectations regarding its business strategies and their intended results and its future performance. &#160;Forward-looking
        statements are preceded by terms such as "expects," "believes," "anticipates," "intends" and similar expressions.&#160; Forward-looking statements are not guarantees of future performance. &#160;Numerous risks and uncertainties could cause or contribute to
        the Company's actual results, performance and achievements to be materially different from those expressed or implied by the forward-looking statements. Factors that may cause or contribute to these differences include, without limitation, changes
        in general economic conditions, including changes in market interest rates and changes in monetary and fiscal policies of the federal government; legislative and regulatory changes; and other factors disclosed periodically in the Company's filings
        with the Securities and Exchange Commission.&#160; Because of the risks and uncertainties inherent in forward-looking statements, readers are cautioned not to place undue reliance on them, whether included in this press release or made elsewhere
        periodically by the Company or on its behalf.&#160; The Company assumes no obligation to update any forward-looking statements except as may be required by applicable law or regulation.</font></div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-style: italic;"> <br>
      </font></div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">4</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" noshade="noshade"></div>
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><br>
      <table id="zfb59a0891093498ea9175d228d9f8368" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 80%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt; color: #000000; font-family: Tahoma; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">CONSOLIDATED FINANCIAL HIGHLIGHTS</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">(UNAUDITED)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-style: italic; color: #000000;">(Dollars in thousands, except per share data)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td rowspan="1" colspan="6" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">As of or For The</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td rowspan="1" colspan="6" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">As of or For The</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="6" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Three Months Ended</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td rowspan="1" colspan="6" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Year Ended</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td rowspan="1" colspan="6" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">December 31</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td rowspan="1" colspan="6" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">December 31</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; padding-bottom: 2px;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; padding-bottom: 2px;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: #000000 solid 2px;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;"> 2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; padding-bottom: 2px;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: #000000 solid 2px;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2017</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; padding-bottom: 2px;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: #000000 solid 2px;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; padding-bottom: 2px;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: #000000 solid 2px;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2017</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Income and Performance Ratios</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Net Income</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">4,515</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2,604</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">18,034</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">13,025</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Return on average assets (d)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1.27</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.80</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1.29</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1.03</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Return on average equity (d)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">12.65</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">7.82</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">13.00</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">10.04</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Return on average tangible equity (b)(d)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">15.33</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">9.49</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">15.87</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">12.22</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Net interest margin (tax equivalent) (b)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3.73</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3.88</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3.66</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3.80</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Earnings per share - basic (c)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1.29</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.74</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">5.14</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3.70</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Earnings per share - diluted (c)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1.29</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.74</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">5.14</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3.70</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Cash dividends paid per share</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">0.440</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.426</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1.742</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1.653</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Asset quality</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Allowance for loan and lease losses</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">12,884</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,190</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">12,884</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,190</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Non-performing assets</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">14,393</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,845</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">14,393</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,845</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Allowance for loan and lease losses/total loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1.19</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1.12</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1.19</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1.12</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Non-performing assets to total loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1.33</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1.18</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1.33</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1.18</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Net charge-offs to total loans (d)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">0.05</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.02</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">0.02</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.03</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Equity</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Book value per share (c)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">40.85</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">37.60</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">40.85</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">37.60</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Tangible Book value per share (b) (c)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">33.74</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">30.43</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">33.74</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">30.43</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Market Value (Last trade of period)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">55.55</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">63.00</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">55.55</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">63.00</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Common shares outstanding</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3,504,596</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3,486,874</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3,504,596</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3,486,874</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Number of shares used in computation - basic (c)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3,498,402</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3,517,436</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3,505,218</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3,515,638</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Number of shares used in computation - diluted (c)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3,498,565</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3,517,849</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3,507,206</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3,517,362</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Other</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Total Risk Based Capital Ratio (a)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">13.42</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">13.20</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">13.42</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">13.20</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Tier 1 Risk Based Capital Ratio (a)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">12.18</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">12.04</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">12.18</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">12.04</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Common Equity Tier 1 Risk Based Capital Ratio (a)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">11.47</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11.27</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">11.47</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11.27</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Leverage Ratio</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">9.15</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">9.18</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">9.15</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">9.18</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Average Full Time Equivalent Employees</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">258.7</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">251.6</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">261.3</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">252.8</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Loan to Deposit Ratio</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">91.29</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">90.55</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">91.29</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">90.55</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-style: italic;"> <br>
      </font></div>
    <div style="text-align: left; line-height: 12.55pt;"><br>
      <table id="z95968dd00e9f485b8086349053558871" style="width: 60%; font-family: 'Times New Roman', Times, serif; font-size: 10pt;" border="0" cellpadding="0" cellspacing="0">

          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt; color: #000000; font-family: Tahoma; font-size: 8pt; font-weight: bold;">Balance Sheet Highlights</div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">December 31</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">December 31</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;"> 2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2017</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Assets</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,430,712</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,361,886</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Investment securities</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">241,526</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">254,782</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Loans (net of unearned income)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,081,883</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,000,525</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Allowance for loan losses</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">12,884</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,190</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Deposits</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,185,156</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,104,943</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Stockholders' Equity</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">139,229</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">129,011</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td colspan="8" style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(a) Presented as projected for December 31, 2018 and actual for the remaining period</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td colspan="8" style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(b) See reconcilation of GAAP and Non-GAAP financial measures at the end of the press release</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td colspan="4" style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(c) Prior period amounts were adjusted to reflect stock dividends.</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(d) Annualized for the three month period</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-style: italic;"> <br>
      </font></div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">5</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" noshade="noshade"></div>
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><br>
      <table id="z14a18984d0444736826e8169cbfc59e8" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 80%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt; color: #000000; font-family: Tahoma; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">CONSOLIDATED BALANCE SHEET</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">(UNAUDITED)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">December 31</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">December 31</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-style: italic; color: #000000;">(in thousands except share data)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2017</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">ASSETS:</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Cash and due from banks:</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Noninterest-bearing</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">15,327</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">16,347</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Interest-bearing</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,470</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2,170</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Total cash and cash equivalents</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">16,797</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">18,517</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Interest bearing time deposits with other banks</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">15,498</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">10,283</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Equity securities</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">516</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">-</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Available-for-sale securities</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">241,010</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">254,782</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Loans held for sale</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,127</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,439</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Loans (net of allowance for loan losses: $12,884 at December 31, 2018 and</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;&#160;&#160;$11,190 at December 31, 2017)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,068,999</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">989,335</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Premises and equipment</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">16,273</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">16,523</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Accrued interest receivable</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">4,452</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4,196</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Goodwill</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">23,296</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">23,296</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Bank owned life insurance</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">27,505</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">26,883</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Other intangibles</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,623</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,953</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Other assets</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">13,616</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">14,679</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">TOTAL ASSETS</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,430,712</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,361,886</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">LIABILITIES:</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Deposits:</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Noninterest-bearing</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">179,971</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">171,840</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Interest-bearing</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,005,185</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">933,103</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Total deposits</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,185,156</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,104,943</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Borrowed funds</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">91,194</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">114,664</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Accrued interest payable</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,076</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">897</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Other liabilities</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">14,057</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">12,371</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">TOTAL LIABILITIES</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,291,483</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,232,875</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">STOCKHOLDERS' EQUITY:</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Preferred Stock $1.00 par value; authorized</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;3,000,000 shares; none issued in 2018 or 2017</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">-</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">-</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Common stock</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;$1.00 par value; authorized 25,000,000 shares at December 31, 2018 and 15,000,000 at</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;December 31, 2017: issued 3,904,212 at December 31, 2018 and&#160; 3,869,939</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;at December 31, 2017</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3,904</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3,870</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Additional paid-in capital</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">53,099</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">51,108</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Retained earnings</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">99,727</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">89,982</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Accumulated other comprehensive loss</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">(3,921</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(3,398</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">)</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Treasury stock, at cost:&#160; 399,616 at December 31, 2018 and 383,065 shares</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;at December 31, 2017</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">(13,580</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(12,551</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">)</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">TOTAL STOCKHOLDERS' EQUITY</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">139,229</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">129,011</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">TOTAL LIABILITIES AND</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">&#160;&#160;&#160;STOCKHOLDERS' EQUITY</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,430,712</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,361,886</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-style: italic;"> <br>
      </font></div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-style: italic;"> <br>
      </font></div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-style: italic;"> <br>
      </font></div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-style: italic;"> <br>
      </font></div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-style: italic;"> <br>
      </font></div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">6</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" noshade="noshade"></div>
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><br>
      <table id="z7a39f9efb05b49e89bc61604634cf5a1" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 80%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt; color: #000000; font-family: Tahoma; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">CONSOLIDATED STATEMENT OF INCOME</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">(UNAUDITED)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="6" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Three Months Ended</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="6" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Year Ended</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="6" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">December 31,</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="6" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">December 31,</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-style: italic; color: #000000;">(in thousands, except per share data)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2017</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2017</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">INTEREST INCOME:</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Interest and fees on loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">13,470</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,447</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">50,458</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">42,127</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Interest-bearing deposits with banks</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">101</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">57</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">319</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">186</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Investment securities:</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;&#160;&#160;Taxable</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,107</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">754</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3,790</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3,095</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;&#160;&#160;Nontaxable</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">318</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">557</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,744</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2,414</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;&#160;&#160;Dividends</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">92</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">80</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">447</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">271</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">TOTAL INTEREST INCOME</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">15,088</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">12,895</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">56,758</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">48,093</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">INTEREST EXPENSE:</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Deposits</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2,215</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,227</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">6,910</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4,625</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Borrowed funds</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">630</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">432</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2,664</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,214</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">TOTAL INTEREST EXPENSE</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2,845</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,659</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">9,574</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">5,839</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">NET INTEREST INCOME</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">12,243</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,236</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">47,184</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">42,254</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Provision for loan losses</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">625</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">800</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,925</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2,540</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">NET INTEREST INCOME AFTER</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">&#160;&#160;&#160;&#160;PROVISION FOR LOAN LOSSES</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">11,618</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">10,436</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">45,259</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">39,714</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">NON-INTEREST INCOME:</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Service charges</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,212</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,133</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">4,667</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4,456</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Trust</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">157</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">159</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">705</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">755</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Brokerage and insurance</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">219</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">176</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">790</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">635</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Gains on loans sold</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">80</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">195</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">382</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">578</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Equity security gains (losses), net</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">(9</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">-</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">-</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">-</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Available for sale security gains (losses), net</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">(11</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">831</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">(19</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,035</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Earnings on bank owned life insurance</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">155</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">161</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">622</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">660</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Other</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">174</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">157</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">588</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">537</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">TOTAL NON-INTEREST INCOME</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,977</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2,812</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">7,735</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">8,656</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">NON-INTEREST EXPENSES:</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Salaries and employee benefits</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">4,843</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4,625</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">19,094</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">17,655</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Occupancy</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">520</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">509</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2,126</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,988</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Furniture and equipment</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">142</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">159</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">536</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">603</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Professional fees</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">652</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">411</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,925</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,299</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">FDIC insurance</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">90</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">90</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">417</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">385</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Pennsylvania shares tax</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">(15</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(62</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">835</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">705</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Amortization of intangibles</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">72</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">74</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">296</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">297</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Merger and acquisition</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">-</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">65</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">-</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">165</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">ORE expenses</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">66</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">140</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">158</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">395</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Other</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,865</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,699</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">6,170</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">5,822</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">TOTAL NON-INTEREST EXPENSES</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">8,235</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">7,710</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">31,557</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">29,314</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Income before provision for income taxes</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">5,360</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">5,538</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">21,437</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">19,056</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Provision for income taxes</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">845</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2,934</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3,403</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">6,031</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">NET INCOME</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">4,515</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2,604</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">18,034</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">13,025</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">PER COMMON SHARE DATA:</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Net Income - Basic</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1.29</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.74</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">5.14</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3.70</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Net Income - Diluted</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1.29</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.74</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">5.14</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3.70</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Cash Dividends Paid</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">0.440</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.426</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1.742</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1.653</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Number of shares used in computation - basic</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3,498,402</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3,517,436</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3,505,218</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3,515,638</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 52%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Number of shares used in computation - diluted</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3,498,565</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3,517,849</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3,507,206</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3,517,362</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-style: italic;"> <br>
      </font></div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-style: italic;"> <br>
      </font></div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">7</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" noshade="noshade"></div>
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><br>
      <table id="zef909c5e2b8f4a9982ed60a3afc6ceec" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 80%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt; color: #000000; font-family: Tahoma; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td colspan="4" style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">QUARTERLY CONDENSED, CONSOLIDATED INCOME STATEMENT INFORMATION</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">(UNAUDITED)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-style: italic; color: #000000;">(in thousands, except share data)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="6" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Three Months Ended,</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;"> Dec 31</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Sept 30</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">June 30,</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">March 31,</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Dec 31</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;"> 2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2017</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Interest income</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">15,088</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">14,259</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">14,028</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">13,383</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">12,895</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Interest expense</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2,845</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2,489</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2,277</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,963</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,659</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Net interest income</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">12,243</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,770</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,751</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,420</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,236</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Provision for loan losses</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">625</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">475</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">325</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">500</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">800</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Net interest income after provision for loan losses</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">11,618</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,295</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,426</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">10,920</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">10,436</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Non-interest income</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,997</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2,022</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,835</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,900</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,981</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Investment securities gains (losses), net</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">(20</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(12</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">7</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">6</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">831</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Non-interest expenses</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">8,235</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">7,788</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">7,702</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">7,832</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">7,710</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Income before provision for income taxes</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">5,360</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">5,517</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">5,566</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4,994</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">5,538</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Provision for income taxes</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">845</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">936</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">875</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">747</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2,934</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Net income</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">4,515</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4,581</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4,691</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4,247</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2,604</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Earnings Per Share Basic</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1.29</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1.31</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1.34</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1.21</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.74</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Earnings Per Share Diluted</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1.29</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1.31</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1.34</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1.21</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.74</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-style: italic;"> <br>
      </font></div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-style: italic;"> <br>
      </font></div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">8</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" noshade="noshade"></div>
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><br>
      <table id="z342092d35e2f41278f722b9343f30e63" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 80%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt; color: #000000; font-family: Tahoma; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td colspan="24" style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">CONSOLIDATED AVERAGE BALANCES, INTEREST, YIELDS AND RATES, AND NET INTEREST MARGIN ON A FULLY
                  TAX-EQUIVALENT BASIS</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">(UNAUDITED)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="14" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Three Months Ended December 31,</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; padding-bottom: 2px;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; padding-bottom: 2px;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: #000000 solid 2px;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;"> 2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; padding-bottom: 2px;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: #000000 solid 2px;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; padding-bottom: 2px;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: #000000 solid 2px;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; padding-bottom: 2px;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: #000000 solid 2px;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;"> 2017</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; padding-bottom: 2px;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: #000000 solid 2px;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; padding-bottom: 2px;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: #000000 solid 2px;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; padding-bottom: 2px;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Average</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Average</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Average</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Average</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Balance (1)</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Interest</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Rate</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Balance (1)</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Interest</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Rate</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(dollars in thousands)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">ASSETS</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Interest-bearing deposits at banks</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">9,294</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">6</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">0.26</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">8,408</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.14</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Interest bearing time deposits at banks</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">14,997</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">95</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2.50</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">10,146</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">54</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2.09</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Investment securities</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">237,342</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,602</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2.70</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">254,277</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,678</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2.64</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Loans: (2)(3)(4)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Residential mortgage loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">215,418</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2,859</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">5.29</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">207,692</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2,692</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">5.14</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Construction loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">32,393</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">406</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">4.97</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">16,864</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">188</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4.43</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Commercial Loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">389,705</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">5,338</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">5.43</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">347,492</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4,838</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">5.52</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Agricultural Loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">323,191</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3,826</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">4.70</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">255,484</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2,784</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4.32</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Loans to state &amp; political subdivisions</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">102,409</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,066</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">4.13</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">102,248</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,091</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4.23</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Other loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">9,610</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">184</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">7.61</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">10,158</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">203</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">7.91</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Loans, net of discount (2)(3)(4)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,072,726</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">13,679</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">5.06</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">939,938</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,796</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4.98</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Total interest-earning assets (3)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,334,359</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">15,382</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">4.57</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,212,769</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">13,531</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4.43</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Cash and due from banks</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">6,751</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">7,142</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Bank premises and equipment</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">16,253</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">16,583</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Other assets</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">69,318</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">66,145</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Total non-interest earning assets</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">92,322</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">89,870</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Total assets</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,426,681</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,302,639</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">LIABILITIES AND STOCKHOLDERS' EQUITY</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Interest-bearing liabilities:</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;NOW accounts</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">327,144</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">515</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">0.62</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">326,133</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">310</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.38</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Savings accounts</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">201,903</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">137</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">0.27</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">181,784</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">49</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.11</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Money market accounts</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">171,149</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">527</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1.22</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">130,895</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">181</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.55</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Certificates of deposit</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">298,395</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,036</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1.38</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">260,090</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">687</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1.05</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Total interest-bearing deposits</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">998,591</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2,215</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">0.88</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">898,902</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,227</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.54</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Other borrowed funds</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">93,440</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">630</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2.67</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">97,867</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">432</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1.75</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Total interest-bearing liabilities</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,092,031</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2,845</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1.03</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">996,769</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,659</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.66</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Demand deposits</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">178,479</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">157,482</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Other liabilities</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">13,410</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">15,159</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Total non-interest-bearing liabilities</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">191,889</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">172,641</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Stockholders' equity</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">142,761</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">133,229</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Total liabilities &amp; stockholders' equity</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,426,681</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,302,639</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Net interest income (3)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">12,537</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,872</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Net interest spread (5)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3.54</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3.77</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Net interest income as a percentage</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;of average interest-earning assets (3)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3.73</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3.88</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Ratio of interest-earning assets</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;to interest-bearing liabilities</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">122</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">122</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(1) Averages are based on daily averages.</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(2) Includes loan origination and commitment fees.</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td colspan="24" style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(3) Tax exempt interest revenue is shown on a tax equivalent basis for proper comparison using a statutory federal income
                  tax rate</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td colspan="24" style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;"> of 21% for 2018 and 34% for 2017. See reconciliation of GAAP to Non-GAAP measures at the end of the press release</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td colspan="24" style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(4) Income on non-accrual loans is accounted for on a cash basis, and the loan balances are included in interest-earning
                  assets.</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td colspan="24" style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(5) Interest rate spread represents the difference between the average rate earned on interest-earning assets</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td colspan="4" style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;"> and the average rate paid on interest-bearing liabilities.</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-style: italic;"> <br>
      </font></div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">9</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" noshade="noshade"></div>
    </div>
    <div>
      <table id="z907f67597d43470c87ebbbfdf25b3afd" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 80%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt; color: #000000; font-family: Tahoma; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td colspan="24" style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">CONSOLIDATED AVERAGE BALANCES, INTEREST, YIELDS AND RATES, AND NET INTEREST MARGIN ON A FULLY
                  TAX-EQUIVALENT BASIS</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">(UNAUDITED)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="10" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Year Ended December 31,</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;"> 2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;"> 2017</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Average</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Average</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Average</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Average</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Balance (1)</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Interest</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Rate</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Balance (1)</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Interest</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Rate</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(dollars in thousands)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">ASSETS</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Interest-bearing deposits at banks</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">8,929</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">20</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">0.22</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">8,790</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">15</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.17</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Interest bearing time deposits at banks</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">12,734</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">299</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2.35</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">8,346</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">171</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2.05</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Investment securities</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">256,719</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">6,445</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2.51</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">278,951</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">7,023</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2.52</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Loans: (2)(3)(4)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Residential mortgage loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">214,458</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">11,205</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">5.22</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">206,321</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">10,660</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">5.17</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Construction loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">25,698</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,235</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">4.80</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">24,299</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,040</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4.28</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Commercial Loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">388,037</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">20,611</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">5.31</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">329,767</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">17,525</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">5.31</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Agricultural Loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">305,003</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">13,638</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">4.47</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">214,200</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">9,251</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4.32</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Loans to state &amp; political subdivisions</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">101,496</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3,759</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3.70</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">98,427</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4,146</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4.21</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Other loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">9,558</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">737</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">7.71</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">10,341</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">823</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">7.96</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Loans, net of discount (2)(3)(4)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,044,250</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">51,185</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">4.90</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">883,355</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">43,445</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4.92</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Total interest-earning assets (3)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,322,632</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">57,949</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">4.38</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,179,442</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">50,654</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4.29</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Cash and due from banks</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">6,807</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">6,774</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Bank premises and equipment</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">16,338</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">16,799</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Other assets</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">54,722</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">55,910</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Total non-interest earning assets</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">77,867</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">79,483</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Total assets</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,400,499</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,258,925</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">LIABILITIES AND STOCKHOLDERS' EQUITY</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Interest-bearing liabilities:</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;NOW accounts</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">326,040</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,642</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">0.50</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">323,105</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,139</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.35</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Savings accounts</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">192,727</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">323</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">0.17</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">179,557</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">191</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.11</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Money market accounts</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">164,916</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,618</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">0.98</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">127,888</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">650</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.51</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Certificates of deposit</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">276,213</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3,327</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1.20</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">261,758</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2,645</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1.01</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Total interest-bearing deposits</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">959,896</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">6,910</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">0.72</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">892,308</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">4,625</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.52</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; padding-bottom: 2px; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Other borrowed funds</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">117,912</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2,664</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2.26</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">68,536</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; padding-bottom: 2px; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,214</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1.77</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Total interest-bearing liabilities</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,077,808</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">9,574</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">0.89</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">960,844</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">5,839</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">0.61</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Demand deposits</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">171,353</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">153,523</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Other liabilities</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">12,647</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">14,802</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Total non-interest-bearing liabilities</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">184,000</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">168,325</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Stockholders' equity</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">138,691</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">129,756</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Total liabilities &amp; stockholders' equity</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,400,499</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,258,925</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Net interest income (3)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">48,375</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">44,815</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Net interest spread (5)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3.49</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3.68</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Net interest income as a percentage</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;of average interest-earning assets (3)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3.66</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3.80</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Ratio of interest-earning assets</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;to interest-bearing liabilities</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">123</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">%</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">123</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">%</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(1) Averages are based on daily averages.</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(2) Includes loan origination and commitment fees.</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td colspan="24" style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(3) Tax exempt interest revenue is shown on a tax equivalent basis for proper comparison using a statutory federal income
                  tax rate</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td colspan="24" style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;"> of 21% for 2018 and 34% for 2017. See reconciliation of GAAP to Non-GAAP measures at the end of the press release</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td colspan="24" style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(4) Income on non-accrual loans is accounted for on a cash basis, and the loan balances are included in interest-earning
                  assets.</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td colspan="20" style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(5) Interest rate spread represents the difference between the average rate earned on interest-earning assets</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 28%;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;&#160;&#160;&#160;&#160;and the average rate paid on interest-bearing liabilities.</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>

      </table>
    </div>
    <div><br>
    </div>
    <div><br>
    </div>
    <div><br>
      <div><br>
      </div>
      <br>
    </div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">10</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" noshade="noshade"></div>
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><br>
      <table id="z89be5accf729484d89cca81560d43915" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 80%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt; color: #000000; font-family: Tahoma; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td colspan="20" style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">CONSOLIDATED SUMMARY OF LOANS BY TYPE; NON-PERFORMING ASSETS; and ALLOWANCE FOR LOAN LOSSES</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">(UNAUDITED)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(Excludes Loans Held for Sale)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(In Thousands)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: rgb(0, 0, 0);">December 31,</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: rgb(0, 0, 0);">September 30,</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: rgb(0, 0, 0);">June 30,</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: rgb(0, 0, 0);">March 31,</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: rgb(0, 0, 0);">December 31,</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;"> 2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2017</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Real estate:</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Residential</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">215,305</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">213,255</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">213,242</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">215,349</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">214,479</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Commercial</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">319,265</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">312,982</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">309,571</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">320,381</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">308,084</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Agricultural</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">284,520</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">280,569</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">262,691</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">248,710</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">239,957</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">&#160;&#160;Construction</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">33,913</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">30,262</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">27,901</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">22,239</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">13,502</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Consumer</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">9,858</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">9,702</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">9,740</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">9,672</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">9,944</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Other commercial loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">74,118</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">72,219</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">75,002</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">74,930</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">72,013</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Other agricultural loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">42,186</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">39,917</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">42,131</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">40,396</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">37,809</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">State &amp; political subdivision loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">102,718</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">101,425</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">99,922</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">100,061</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">104,737</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Total loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,081,883</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,060,331</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,040,200</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,031,738</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,000,525</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Less allowance for loan losses</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">12,884</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">12,383</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,941</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,587</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,190</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Net loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,068,999</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,047,948</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,028,259</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,020,151</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">989,335</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Past due and non-performing assets</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Total Loans past due 30-89 days and still accruing</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3,308</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3,127</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">5,143</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">5,660</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3,489</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Non-accrual loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">13,724</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">14,530</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">10,931</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,433</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">10,171</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Loans past due 90 days or more and accruing</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">68</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">302</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,046</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">429</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">555</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Non-performing loans</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">13,792</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">14,832</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,977</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,862</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">10,726</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">OREO</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">601</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">628</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">471</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">952</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,119</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Total Non-performing assets</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">14,393</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">15,460</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">12,448</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">12,814</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,845</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3 Months</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3 Months</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3 Months</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3 Months</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3 Months</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Ended</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Ended</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Ended</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Ended</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Ended</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Analysis of the Allowance for loan Losses</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">December 31,</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">September 30,</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">June 30,</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">March 31,</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">December 31,</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(In Thousands)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2017</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Balance, beginning of period</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">12,383</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,941</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,587</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,190</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">10,447</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Charge-offs</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">(140</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(48</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(61</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(116</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(73</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">)</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Recoveries</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">16</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">15</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">90</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">13</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">16</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Net (charge-offs) recoveries</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">(124</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(33</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">29</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(103</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(57</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">)</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Provision for loan losses</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">625</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">475</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">325</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">500</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">800</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 40%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Balance, end of period</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">12,884</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">12,383</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,941</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,587</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,190</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>

      </table>
    </div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-style: italic;"> <br>
      </font></div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-style: italic;"> <br>
      </font></div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-style: italic;"> <br>
      </font></div>
    <div id="DSPFPageBreakArea" style="clear: both; margin-top: 10pt; margin-bottom: 10pt;">
      <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">11</font></div>
      <div id="DSPFPageBreak" style="page-break-after: always;">
        <hr style="border-width: 0px; clear: both; margin: 4px 0px; width: 100%; height: 2px; color: #000000; background-color: #000000;" noshade="noshade"></div>
    </div>
    <div style="text-align: left; line-height: 12.55pt;">
      <table id="zb600f4f9da4b44698bea423c0a442988" style="font-family: 'Times New Roman', Times, serif; font-size: 10pt; width: 80%;" cellpadding="0" cellspacing="0">

          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt; color: #000000; font-family: Tahoma; font-size: 8pt; font-weight: bold;">CITIZENS FINANCIAL SERVICES, INC.</div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Reconciliation of GAAP and Non-GAAP Financial Measures</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-style: italic; color: #000000;">(Dollars in thousands, except per share data)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td rowspan="1" colspan="6" style="vertical-align: top;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;"> As of</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td rowspan="1" colspan="6" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">December 31, 2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;"> 2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2017</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Tangible Equity</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom;" valign="bottom">&#160;</td>
            <td colspan="2" style="vertical-align: top;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Stockholders' Equity - GAAP</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">139,229</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">129,011</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Accumulated other comprehensive loss</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">(3,921</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(3,398</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">)</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Intangible Assets</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">24,919</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">25,249</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Non-GAAP Tangible Equity</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">118,231</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">107,160</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Shares outstanding adjusted for June 2018 stock Dividend</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">3,504,596</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">3,521,146</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Tangible Book value per share</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">33.74</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">30.43</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td rowspan="1" colspan="6" style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;"> As of</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td rowspan="1" colspan="6" style="vertical-align: top; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">December 31, 2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt; text-align: center;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: rgb(0, 0, 0);">2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt; text-align: center;"><font style="font-family: Tahoma; font-size: 8pt; color: rgb(0, 0, 0);">2017</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Tangible Equity per share</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Stockholders' Equity - GAAP</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">39.73</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">36.64</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Adjustments for accumulated other comprehensive loss</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">(1.12</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">(0.96</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">)</font></div>
            </td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Book value per share</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">40.85</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">37.60</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Adjustments for intangible assets</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">7.11</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">7.17</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Tangible Book value per share</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">33.74</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">30.43</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="6" style="vertical-align: top; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Three Months Ended</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td rowspan="1" colspan="6" style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">December 31,</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Reconciliation of net interest income on fully taxable equivalent basis</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt; text-align: center;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: rgb(0, 0, 0);">2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt; text-align: center;"><font style="font-family: Tahoma; font-size: 8pt; color: rgb(0, 0, 0);">2017</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Total interest income</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">15,088</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">12,895</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Total interest expense</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">2,845</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">1,659</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Net interest income</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">12,243</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,236</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Tax equivalent adjustment</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">294</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">636</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(204, 238, 255); border-bottom: 2px solid rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Net interest income (fully taxable equivalent)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">12,537</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">11,872</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: rgb(255, 255, 255); border-bottom: 4px double rgb(0, 0, 0);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td rowspan="1" colspan="6" style="vertical-align: top; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Year Ended</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td rowspan="1" colspan="6" style="vertical-align: top; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: center; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">December 31,</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: #CCEEFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">Reconciliation of net interest income on fully taxable equivalent basis</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt; text-align: center;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: rgb(0, 0, 0);">2018</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: #000000 solid 2px; background-color: #CCEEFF;" valign="bottom">
              <div style="line-height: 9.1pt; text-align: center;"><font style="font-family: Tahoma; font-size: 8pt; color: rgb(0, 0, 0);">2017</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: #CCEEFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Total interest income</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">56,758</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">48,093</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Total interest expense</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">9,574</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">5,839</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; background-color: #FFFFFF;" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Net interest income</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">47,184</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; background-color: #FFFFFF;" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">42,254</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; background-color: #FFFFFF;" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Tax equivalent adjustment</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">1,191</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 2px solid rgb(0, 0, 0); background-color: rgb(204, 238, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">2,561</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 2px; background-color: rgb(204, 238, 255);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>
          <tr>
            <td style="vertical-align: top; width: 76%; padding-bottom: 4px; background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="text-align: left; line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">Net interest income (fully taxable equivalent)</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; font-weight: bold; color: #000000;">48,375</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255);" nowrap="nowrap" valign="bottom">&#160;</td>
            <td colspan="1" style="vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255);" valign="bottom">&#160;</td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">$</font></div>
            </td>
            <td colspan="1" style="vertical-align: bottom; text-align: right; width: 9%; border-bottom: 4px double rgb(0, 0, 0); background-color: rgb(255, 255, 255);" valign="bottom">
              <div style="line-height: 9.1pt;"><font style="font-family: Tahoma; font-size: 8pt; color: #000000;">44,815</font></div>
            </td>
            <td colspan="1" style="text-align: left; vertical-align: bottom; width: 1%; padding-bottom: 4px; background-color: rgb(255, 255, 255);" nowrap="nowrap" valign="bottom">&#160;</td>
          </tr>

      </table>
      <div><br>
      </div>
      <br>
      <div><br>
      </div>
      <div><br>
      </div>
      <br>
      <font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-style: italic;"></font></div>
    <div style="text-align: left; line-height: 12.55pt;"><font style="font-family: Tahoma, sans-serif; font-size: 11pt; font-style: italic;"> <br>
      </font></div>
    <br>
  </div>
  <div id="DSPFPageNumberArea" style="text-align: center;"><font id="DSPFPageNumber" style="font-family: 'Times New Roman', Times, serif; font-size: 8pt; font-weight: normal; font-style: normal;">12</font></div>
</body>
</html>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
